Learn all the ways you can save with our policyholder discounts
TMLT offers automatic premium discounts to policyholders with favorable claim experience. Discounts range from 2% to 20%, depending on length of time you have been with TMLT.
New-to-practice discounts are available to physicians entering practice for the first time upon completion of graduate training, military service, or being in an academic position.
This discount is 40% for the first year in practice and 20% for the second year. Generally, no other discount is given other than CME and practice review in conjunction with this discount.
Discounts are based on the number of hours worked per week. Physicians working 15 hours or less may receive up to a 50% discount. Physicians working 16 to 30 hours may receive up to a 25% discount.
Leave of absence discounts
- 100% premium reduction for medical leave or military leave
- 75% premium reduction for an underwriting approved leave (for academic or sabbatical purposes)
- 85% premium reduction for maternity or paternity leave up to 12 weeks (longer if medically necessary).
Risk management discounts
Policyholders who complete a qualifying 2-hour CME activity may be eligible for a 3% premium discount applied to their next eligible policy period. Two courses can be taken for the discount, for up to 6% per policy term.
For new policyholders, a CME discount may be applied retroactively to the inception of the policy, if completed within the first 30 days of the policy effective date.
We offer in-person seminars, online CME, case study courses, and a 2-hour CME course in our publication, the Reporter. You can also attend seminars that we co-sponsor with the Texas Medical Association.
Practice review discount
Policyholders who complete a practice review may be eligible for a 5% premium discount after review recommendations are met. This discount continues through the current policy plus two full policy periods.
For new policyholders, a practice review discount may be applied retroactively to the inception of the policy, if approved in advance and completed within the first 120 days of the policy effective date.