In the last one year, health practitioners were forced to use telehealth
platforms and adopt telemedicine that signified a paradigm shift in health
delivery. Intertwining of healthcare and technology sectors continues but
digital health and associated emergent risk pose fresh challenges for health
practices. What are the implications for your insurance and risk
1: General Liability/
A patient interacting with technology may get injured but traditional bodily
injury coverage triggers have become outdated and may no longer be relevant to
technology related injury.
2: Cyber Risk
Healthcare providers had to roll out mobile technologies in response to
pandemic restrictions overlooking security and accepting higher risk by
relaxing firewall rules to accommodate remote working. Obligations under
Privacy Act for safeguarding patient information during remote consultations,
and ensuring security of patient identify through encryption may have been
ignored leading to higher cyber exposures.
Liability/ Board Liability
Regulatory issues may also arise with insurers expecting a new wave of
medical board investigations as health providers deal with complex wave of
federal and state regulatory jurisdictions.
Thus your insurances may have gaps and exposures with insurers also placing
new exclusions for digital health claim scenarios.
Progressive insurance policies offered by London underwriters like CFC have
greater coverage for e-health scenarios:
Coverage extends to use of artificial intelligence, remote patient
monitoring and interactive telemedicine services. telemedicine platforms and
providers, mHealth apps, remote patient monitoring tools, artificial
intelligence, ePharmacies and eHealth research involving data collection and
What does the insurance
Bodily injury arising from healthcare services, technology activities, cyber events and system outages
Technology errors and omissions not included in medical malpractice insurance
Products failing to perform and malfunctioning not included in General Liability insurance
Cyber and privacy tailored to address digital healthcare companies’ specific cyber exposures which traditional cyber policies may not include
Automatic coverage for physicians and medical practitioners as employee.