No coverage yet · first year of practice
Which window are you in?
Most people here use the Student Savings Program. Use the Medical Student Offer only if you finished training in the last 90 days, and no later than September 30.
Usual first-year path
Student Savings Program
Fully underwritten. The 25% new-business discount becomes 10% on October 1.
See the 25% changeFinished training within 90 days, by September 30
Medical Student Offer
Simplified path, if you still qualify. Review eligibility before a fully underwritten application.
See the Medical Student OfferBoth programs move to new guidelines for applications received on or after October 1, 2026. An application to the Student Savings Program that is declined, or rated or modified and not taken, removes Medical Student Offer eligibility.
The MED Brief is general educational information. Personal insurance advice is provided by David Empey where he is appropriately licensed.