Telehealth Insurance

Telehealth Insurance

Telehealth Insurance protects healthcare practitioners from the risks associated with delivering services remotely.

Zensurance - Telehealth Professional

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Insurance for Telehealth professionals

Whether you offer telemedicine or offer virtual wellness services, navigating the evolving digital landscape requires a robust risk management strategy. We wrote this guide to help you navigate the basics of liability insurance for your telehealth practice.

The increased take-up of online services is beneficial for telehealth practitioners and their clients; however, the new business model offers unique risks. Variations in the scope of care, regulations, data risks, and the use of mobile technology (e.g., wearable devices) may make it challenging to find comprehensive coverage.

Telehealth Insurance is designed to protect telemedicine practitioners against specific risks associated with providing virtual health and wellness services.

Some of our clients include:

  • Mental Health Service Providers (e.g., counsellors, therapists, psychologists)
  • Health Service Providers (e.g.., pharmacists, nutritionists, physicians, dermatologists)
  • Health and Wellness Instructors (e.g., fitness, yoga, meditation)
  • mHealth Providers (e.g., wearable technology, apps, devices)

Most Telehealth Insurance policies provide worldwide coverage.

Any health care professional providing virtual care through an online or digital platform should protect themselves with a Telehealth Insurance policy package.

Every telehealth practice is unique, and insurance requirements may vary; a comprehensive policy package for telemedicine practitioners will typically include the following coverages:

  • Professional Liability Insurance, also known as Malpractice Insurance, offers coverage for actual or alleged negligence, errors, omissions, or failure to deliver a service as promised. In some cases, the result may be a bodily injury. If a patient or client feels the service you provided didn’t have the expected results, they could sue. For example, you provide counselling services and fail to take proper account of a patient’s health history, which leads to inappropriate recommendations and treatment. They sue you for negligence as a result. In addition to legal fees and damages, Professional Liability Insurance can protect you where a waiver won’t, as waivers are not always enforceable forms of protection in a court of law.
  • Cyber Liability Insurance is critical for health practitioners storing client information or using an online platform to manage their patient’s care. This policy provides financial protection against network security and privacy issues, such as a data breach. It also covers damage to computer and data infrastructure systems and provides financial coverage for notification costs, legal fees, credit monitoring, and crisis management.
  • Product Liability Insurance: The emergence of virtual care has resulted in rapid innovation regarding mobile health solutions. Wearable devices, monitors, and sensors that sync with an online platform make sharing and interpreting health data more manageable for both the providers and patients. Product Liability Insurance is a policy that provides coverage for bodily injuries or property damage caused by a product you develop, manufacture or sell. This coverage may also apply to apps you create.
  • Commercial General Liability, also known as “slip-and-fall insurance,” is a basic form of coverage that protects against day-to-day risks you may encounter while running your business. It protects your business against claims of actual or alleged third-party bodily injury or property damage that result from your business practices. If you operate a physical location in addition to providing virtual services, you need CGL to cover medical fees and legal expenses, regardless of the lawsuit’s outcome.

Multiple factors contribute to the cost of insurance for your telehealth practice. You can anticipate premiums starting at $1,000 a year on Professional Liability Insurance with a $1M limit.  Telehealth practitioners can add a low limit of Cyber Liability Insurance to their policy for approximately $100/year.

However, suppose you are storing more sensitive data (e.g., electronic medical records). In that case, you may choose to opt for a standalone cyber policy, which costs approximately $750 – $1K a year and provides more protection should your data be compromised.

We’ve partnered with over fifty insurance providers to offer you different options that suit your business needs at the best price.

Getting insured is quick and easy!

Complete our 5-minute online application for a free telehealth insurance quote.

Common claims scenarios

virtual dietitian with client

Problem: A dietitian providing online consultations collects personal health information from clients in order to assess their dietary needs. A cybercriminal hacks into their computer system and steals personal information.

Outcome: Their Cybercrime Insurance policy may cover the cost to notify clients and subsequent legal expenses.

virtual pharmacist

Problem: A pharmacist conducting an online consultation with a patient accidentally provides the wrong instructions, causing the patient to suffer a reaction.

Outcome: The patient successfully sues for negligence, and their Errors & Omissions Insurance may cover the legal fees and medical expenses.

virtual counsellor

Problem: A counsellor providing services online is sued by a client who claims they failed to deliver an effective counselling session.

Outcome: The client successfully sues their counsellor, whose Professional Liability Insurance may cover the legal expenses.

Frequently asked questions

My telehealth company is developing a mobile app for patients to download to their devices to book and attend appointments. Does a telehealth insurance policy cover how the app functions and performs?

Yes. Professional liability insurance includes coverage for your organization’s mobile app if it fails to perform as advertised or does not work correctly.

Will a telehealth insurance policy cover me for technology-related errors that occur such as a website malfunction that results in a patient overpaying for a prescription?

Yes. A telehealth insurance policy includes professional liability coverage (aka malpractice insurance). It covers mistakes, errors, omissions, and failure to deliver a service even if provided digitally or online.

Which online platforms are covered by Telehealth Insurance?

Telehealth Insurance provides coverage for healthcare practitioners using any platform allowing for private online video, voice calls, or online chat, such as Skype, Zoom, Google Hangouts, VSee, etc.

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