Beazley vs CFC Telehealth Insurance

Beazley sells Virtual Care as a single modular policy bundling healthcare professional liability, technology liability, cyber, media liability, general liability and products/completed operations for digital-health businesses, rather than separate line-item policies. ⁴Company-reported. Virtual Care product description and Available Coverages list.

CFC sells eHealth as one packaged policy for companies at the intersection of healthcare and technology, rather than as separate telemedicine, mHealth, AI, or remote-monitoring policies. ⁹Company-reported. eHealth product page, which lists telemedicine, mHealth, AI, and remote patient monitoring as sub-sectors under a single packaged product.

Not described in the reviewed sources.

The reviewed eHealth product page does not name the insurer or Lloyd's syndicate carrying the risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to eHealth. ^9,8Not publicly disclosed. Checked the eHealth page and CFC's regulatory information page; neither names an eHealth-specific carrier.

Beazley targets five digital-health segments with Virtual Care: telehealth/telemedicine providers, mHealth companies building wearables and apps, med-tech/devices platforms and SaaS developers, lifestyle-and-wellness businesses, and traditional in-person healthcare entities with cyber-related bodily-injury exposure. ⁴Company-reported. Virtual Care "Who we can help" section.

Beazley offers Virtual Care worldwide for organizations domiciled in the United States, United Kingdom, Canada, Singapore, Australia, Hong Kong, Colombia, Chile and Spain. ⁴Company-reported. Virtual Care "Where is this offered" section.

CFC's FAQ describes eligible businesses broadly as any company that provides or uses digital healthcare technology day to day, including wellbeing clinics and labs, not only medical practices. ⁹Company-reported. eHealth FAQ; a general description rather than a formal underwriting rule, and actual eligibility depends on underwriting.

The Available Coverages list under Virtual Care includes Healthcare Professional Liability, Tech Services/Tech Products Liability, Cyber Liability (Beazley Breach Response or InfoSec), First Party Cyber, General Liability (claims-made or occurrence), Products/Completed Operations, Media Liability and Clinical Trials Financial Injury. ⁴Company-reported. Virtual Care Available Coverages list; actual coverage purchased depends on the modules selected and the issued policy.

Beazley highlights "affirmative coverage for claims made against an insured which results in bodily injury" as a feature of Virtual Care, distinguishing it as a policy point rather than describing every underlying module's terms. ⁴Company-reported. "The Beazley Difference" section of the Virtual Care page.

CFC lists the package as covering bodily injury arising from healthcare services, technology activities, cyber events, and system outages; technology errors and omissions; products failing to perform; cyber and privacy; general liability, employers' liability, and legal expenses; and IP rights and infringement, with worldwide jurisdiction. ⁹Company-reported. 'What does CFC's eHealth policy cover?' section of the product page; exact terms are set by the policy as issued.

CFC lists automatic coverage for physicians and medical practitioners as a key feature of the eHealth package. ⁹Company-reported. Key features section of the eHealth product page.

CFC says it added affirmative AI-related coverage language to its eHealth policy in 2026 as part of a rollout across seven products, explicitly addressing exposures like AI model hallucination, AI-generated content, and model drift rather than leaving them to implied or silent coverage. ¹⁰Company-reported. CFC news release on the affirmative AI coverage programme; describes intent and scope of the update, not specific policy wording.

The reviewed page does not publish specific dollar limits or retentions for Virtual Care or its component modules. Those terms appear only on an actual quote. ⁴Not publicly disclosed. Virtual Care page as read on 2026-09-23; a supplementary product-overview PDF found in search could not be parsed for numeric limits.

Not described in the reviewed sources.

Policyholders that include the cyber module get access to Beazley Breach Response Services, which Beazley describes as covering breach-response management, information-security insurance solutions and risk-management services. ⁴Company-reported. "The Beazley Difference" section; service scope depends on whether the cyber module is selected.

Not described in the reviewed sources.

Beazley lists several downloadable application brochures for different Virtual Care coverage combinations, such as "Virtual Care - InfoSec (no First Party)" and "Virtual Care - Professional Liability," indicating a broker-submitted, module-by-module application rather than one online form. ⁴Company-reported. Tools & Resources section of the Virtual Care page.

CFC publishes a downloadable eHealth application form alongside the product brochure. ⁹Company-reported. Downloads section of the eHealth product page.

Beazley names a dedicated Claims Team Leader for Healthcare and several claims managers and specialists on the Virtual Care team, and directs customers to a general "Notify a Claim" channel. The page does not describe specific claims-handling procedures or timelines. ⁴Company-reported. Team listing and claims-contact links on the Virtual Care page.

CFC's FAQ says filing an eHealth claim starts with contacting one of its digital health experts, who guide the policyholder through the process. ⁹Company-reported. eHealth FAQ describing the claims process at a general level; does not disclose timelines or outcomes.