Ex-medical Coverage

Coverage that excludes medical benefits, meaning the employer would be responsible for paying the medical portion.

Ex-med Coverage

Prior to the Rule’s withdrawal effective 1/1/2012, a policy could be written on an ex-medical basis. An employer written on an ex-medical basis assumed the liability for medical payments for its injured employees, and held the carrier harmless via an endorsement to the policy.  Ex-medical policies were typically written for hospitals or other medical facilities equipped to treat employees in case of injury or disease.   

At the time in 2011 the filing was made to eliminate the program, there was only one such policy written in any of the states to which the NCCI provides services.  It happened to be located in Indiana. 

Reference NCCI Circulars CIF-2011-06, and IN-2011-02.