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What Is Virtual Care and Telehealth Insurance?

Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review.

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What Does Virtual Care and Telehealth Insurance Cover?

A remote consultation, home-monitoring device and ordinary clinic visit are distinct activities the quote may treat differently. 3,1

Telehealth coverage can address liability for healthcare you deliver through technology, including remote consultations. 2,3,1

Remote Care Liability

Ask whether the quote covers professional liability for remote care, not only technology or general liability. 2,1

Match the Work You Actually Do

Describe the full service: video consultations, remote monitoring and any technology used in patient care. A practice offering both remote and in-person visits should identify each. The activities named in the quote need to match what clinicians and the business actually provide. 3,1

Work to describePlace in the discussion
Video visit between a clinician and a patientTelemedicine or remote consultation named in the quote
A device that sends readings from the patient’s homeRemote patient monitoring or technology used in care
An ordinary visit in a clinicCheck in-person and remote services in the quoted activities
3,1 2,3,1 Describe how your organization delivers virtual care, and ask how the quote treats its healthcare and technology activities. 2

Who Needs Virtual Care and Telehealth Insurance?

Consider this if you deliver video consultations, remote patient monitoring or other health care through technology. 2,4,3

Virtual Care and Telehealth Insurance Coverage Examples

What happened

A Patient Challenges a Virtual Consultation

A patient alleges that advice given during a video consultation caused harm.

How coverage may help

Professional liability for remote care may address the claim. The clinician's licensing, the patient's location and the services insured need to fit the policy. 2,3,1,4

What happened

An Outage Disrupts Patient Monitoring

A platform outage interrupts remote monitoring, and a patient alleges that the delay caused an injury.

How coverage may help

The proposal needs to address bodily injury involving care, technology or an outage. A general technology-liability label doesn't establish protection for the clinical harm. 2,3,1

How Do You Compare Virtual Care and Telehealth Insurance Coverage and Costs?

Where Care Is Delivered

List where your clinicians are licensed and where patients are located, and check that the proposed coverage includes those places. 4,3

For a cross-state visit, record both where the clinician is licensed and where the patient receives care. 4,3

Check the liability-insurance or financial-responsibility rules for your clinicians and the states where patients receive care. 4

Bodily Injury, Technology and System Outages

Ask whether the quote addresses bodily injury arising from remote care, care technology or a system outage. 3,2,1

How Does Virtual Care and Telehealth Insurance Compare With Related Coverage?

Clinical Claims Versus Cyber Incidents

Separate clinical-care claims from data or network-security incidents, even when both involve your digital-health platform. 2,3

Medical Malpractice, Cyber, Technology E&O and General Liability

Compare telehealth coverage with medical malpractice, cyber, technology E&O and general liability so each risk has a clear place. 2,3,1
ConcernPlace in the discussion
Medical professional services, whether remote or in personAsk which services the malpractice or virtual-care quote includes
A data or network-security incidentCyber
A platform or software failure that causes a client financial lossTechnology errors and omissions (E&O)
Bodily injury or property damage away from professional careGeneral liability
2,3,1 2,1 2,3

What Do You Need for Virtual Care and Telehealth Insurance Quotes?

Prepare your services, clinician licenses, patient locations, existing cyber or malpractice coverage and the limits you want to discuss. 2,4,3

Services, Licensing and Existing Coverage

PrepareAsk the broker
ServicesDoes the quote include your telemedicine, monitoring and technology-in-care work?
Clinician licensesWhich license states does the proposed coverage include?
Patient locationsWhere can patients receive care under this quote?
Financial-responsibility rulesHow does the quote meet requirements that apply to your clinicians and states?
Existing policiesWhich clinical, cyber and in-person risks remain outside this quote?
LimitsWhat limits are available for the services and locations you listed?
2,4,3 4,3 4

Virtual Care and Telehealth Insurance: Key Terms in Plain English

Professional Liability

Protection for covered claims about clinical services delivered remotely. 2,1

Patient Location

Where a patient receives care, which should be considered alongside clinician licensing and the coverage territory. 4,3

Frequently Asked Questions About Virtual Care and Telehealth Insurance

Does a Cyber Policy Replace Clinical Liability?

No. A patient-care allegation and a data-security incident need different protections, even when they involve the same platform. 2,3

Does the Patient’s Location Matter?

Yes. Compare patient locations and clinician licensing with the coverage offered, including care delivered across state lines. 4,3

Can Telehealth Insurance Address Patient Injury From a System Outage?

Some virtual-care products address bodily injury connected with technology or a system outage. Ask whether the proposed policy covers that exposure alongside injury arising from remote clinical care; do not infer it from the product name. 3,2,1

Is Virtual-Care Insurance Only for Video Consultations?

No. Digital-health activities can also include remote patient monitoring and other technology used in patient care. Describe each service and check that the policy names the healthcare and technology activities your organization performs. 3,1 2

What Coverage Is Related to Telehealth Insurance?

  • What Is Medical Malpractice Insurance?

    Medical malpractice insurance can pay defense costs and covered damages when a patient claims a clinician’s care caused harm. If you provide health care, match the quote to your practice, clinicians, specialties and procedures, then check who is insured.

  • What Is Cyber Insurance?

    Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules.

  • What Is Technology Errors and Omissions (E&O) Insurance?

    Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review.

  • What Is General Liability Insurance?

    General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage.

Telehealth Insurance Guides by State

Which Insurance Providers Offer Telehealth Insurance?

  • Beazley

    Beazley offers virtual care insurance for digital-health businesses.

  • CFC

    CFC offers an eHealth package for businesses delivering health care through technology, including telemedicine.

  • Founder Shield

    Founder Shield lists virtual care and telehealth insurance for tech-enabled healthcare companies.

  • HUB International

    HUB International arranges virtual care insurance for health care organizations.

  • Liberty Mutual

    A group brand spanning personal and commercial insurance businesses; its business unit pages describe small-commercial cover for small businesses and commercial, specialty, surety, and reinsurance solutions for mid-size and large businesses.

  • Newfront

    Newfront arranges insurance programs for digital-health and telemedicine businesses.

Updated .

Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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