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Telehealth Insurance in Illinois

Illinois permits telehealth only within each professional’s existing scope and the standard of care for in-person services; it does not authorize a new scope or setting. For covered providers, HHS says HIPAA safeguards also apply to electronic telehealth communications, including some audio-only tools. Neither rule establishes what a professional-liability policy covers. 1,2

What Is Virtual Care And Telehealth?

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. Read the national Virtual care and telehealth guide.

What to Watch for in Illinois

  • Telehealth Does Not Expand A License

    Illinois allows a health-care professional to provide telehealth only within the scope set by that profession’s licensing act and the in-person standard of care; the Telehealth Act does not authorize a new scope or setting. Ask the broker to schedule each professional class and remote service your team provides. 1

  • Temporary Permits Follow Scope And Sponsor Terms

    Illinois permits certain temporary-permit holders to provide telehealth only consistently with their professional scope and agreement with a sponsoring entity. Ask whether the policy schedule and insured list identify each temporary-permit clinician, sponsoring entity, and service role; the permit does not itself determine policy response. 1

  • Electronic Sessions Add Privacy And Technology Questions

    For HIPAA-covered providers, HHS says the Security Rule applies to electronic communications such as VoIP and apps, and risk analysis should consider interception, encryption, stored recordings or transcripts, and device access. Ask how the policy treats professional-liability allegations tied to the specific platforms and recorded or transcribed services you use; HIPAA compliance does not establish insurance coverage. 2

Who Regulates Insurance in Illinois

Illinois Department of Insurance

The Department licenses and oversees insurers and insurance producers doing business in Illinois, reviews regulated insurance activity, and investigates complaints about coverage, claims, premiums, and sales. 3,5,4

Surplus-lines tax and stamping office

Reported tax rate: 3.5% of taxable premium plus a 0.04% stamping fee; separate 1% fire marshal tax on taxable fire premium When Illinois is the insured’s home state, the broker reports and remits a 3.5% tax on gross taxable surplus-line premium less returned taxable premium. The separate SLAI stamping fee is 0.04% for policies effective on or after January 1, 2023; a 1% fire marshal tax also applies to taxable fire premium. 7,6,10,11,8

Surplus Line Association of Illinois

  • Illinois guaranty fund limits: For covered claims against a member insurer, the Illinois Insurance Guaranty Fund generally caps its obligation at $500,000 per claim; workers’ compensation claims are excepted from that dollar cap. This fund does not protect policies issued by nonadmitted surplus-lines insurers. The net-worth exclusions apply to covered claims against member insurers. 8
  • Illinois FAIR Plan: If you cannot obtain basic property coverage in the voluntary market, the Illinois FAIR Plan offers a residual-market option for eligible property. Check its current eligibility and coverage limits before relying on it for a commercial location. 9

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Illinois

  1. Does the policy schedule each Illinois professional class, scope, and telehealth service our team provides?
  2. Are our temporary-permit clinicians and sponsoring entities identified consistently with their agreements and insured roles?
  3. How does the policy address professional-liability allegations involving our audio, video, messaging, recording, or transcription tools?

Virtual Care And Telehealth in Illinois: FAQ

Does telehealth expand a clinician’s professional scope in Illinois? 1

No. Illinois allows telehealth within the scope established by the clinician’s licensing act and the in-person standard of care; it does not authorize a new scope or setting. 1

Do HIPAA safeguards apply to audio-only telehealth? 2

Yes, for covered entities using electronic communication technologies. HHS says the Security Rule applies to electronic media such as VoIP, while a traditional landline is treated differently; the applicable Privacy Rule safeguards still matter. 2

Virtual Care And Telehealth in Other States

Other Coverage in Illinois

Sources

  1. 225 ILCS 150/15, Use of telehealth services. Illinois General Assembly; Section 15(a)–(c): profession-specific scope and in-person standard; no new scope or setting; privacy/security/confidentiality; specified temporary-permit holders and sponsor agreement. Source note P.A. 102-104, effective July 22, 2021, and P.A. 102-1117, effective January 13, 2023. Accessed 2026-09-28.
  2. Guidance on How the HIPAA Rules Permit Covered Health Care Providers and Health Plans to Use Remote Communication Technologies for Audio-Only Telehealth. U.S. Department of Health and Human Services, Office for Civil Rights; FAQs 1–3: reasonable privacy safeguards; Security Rule scope for electronic media vs traditional landline; risk analysis considerations for recordings/transcripts; BAA depends on vendor role. Content last reviewed June 23, 2026. Accessed 2026-09-28.
  3. Illinois Department of Insurance. Illinois Department of Insurance; Official agency homepage and agency information. Accessed 2026-09-28.
  4. File a Complaint. Illinois Department of Insurance; Official insurance complaint intake and consumer phone. Accessed 2026-09-28.
  5. Calculating & Remitting Taxes: Surplus Line Tax. Surplus Line Association of Illinois; Current surplus-line tax applicability and rate. Accessed 2026-09-28.
  6. 215 ILCS 5/445: Surplus line. Illinois General Assembly; Subsections (3)(a), (12): tax and code applicability. Accessed 2026-09-28.
  7. 215 ILCS 5: Illinois Insurance Guaranty Fund. Illinois General Assembly; Article XXXIV: cap, net-worth exclusions, exceptions, and non-admitted insurer exclusion. Accessed 2026-09-28.
  8. Illinois FAIR Plan Association. Illinois FAIR Plan Association; Plan overview and current eligibility information. Accessed 2026-09-28.
  9. Stamping Fees: Fee Calculation. Surplus Line Association of Illinois; Current stamping fee 0.04% of premium for policies effective January 1, 2023 or later; may be passed to insured. Accessed 2026-09-28.
  10. 50 Ill. Adm. Code § 2701.130: Taxes. Illinois Joint Committee on Administrative Rules; Surplus line producer pays 1% fire marshal tax on gross premiums less returned premiums for insurance subject to the Fire Investigation Act. Accessed 2026-09-28.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  13. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  14. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  15. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  16. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  17. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  18. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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