Who Is This Creature

This adorable cephalopod (octopus) captivated us and it has become our mascot. Why? The first thing that caught our eye was, well, the eye. As an insurance company that is owned by our policyholders, we have been keeping a watchful eye out on behalf of our owners for thirty years, enabling best practices in risk and claims management.

And who wouldn't want an extra arm, or eight? We know that our owners are busy doing what they do best — providing health care services. Our job is to act as an extension of their organization, reaching deep into the areas of our expertise.

The cephalopod is one of the most adaptable and long-lived species on the planet. Likewise, CHI is the longest continually-operating health care professional liability insurance company in California.

And lastly, we were captivated by our mascot’s smile. Talk to any of our owners and you will hear that we are a very friendly bunch. While people don't usually think of insurance as a fun part of their business, the team at Optima has put a smile on many faces.


Claims Management


Claims Management

Tirelessly Protecting Your Reputation

When compared to other hospitals in California, Nevada and nationwide, CHI hospitals experience lower frequency and lower cost of claims. This is due to CHI’s long track record of success and innovation. CHI consistently achieves superior claims results because no insurance company defends their owners better. The aggressive claims management approach includes reducing the caseload of each claims specialist to one of the lowest in the industry.

CHI claims specialists respond quickly to each event, claim or suit and reduce costs through early intervention. When warranted, cases are settled promptly with minimum impact to owners. CHI is a staunch defender when liability appears to be absent, involving each owner throughout the claims process and helping to choose the best defense-minded law firms to strongly defend owners’ interests.