Bodily injury
Affirmative protection for bodily injury arising from healthcare services, negligent acts, technology activities, cyber events and outages.
Medical insuranceeHEALTH &
Digital healthcare protection
eHEALTH &
TELEMEDICINE
Combined healthcare, technology and cyber protection for businesses delivering care, products and services electronically.
Clinical, technology and cyber One coordinated policy
Connected careD–03
One policy / three risk areas
Healthcare is digital. Liability does not stay in one lane.
Digital health businesses often operate across clinical care, software and sensitive patient data. When an incident occurs, the cause and the resulting liability may cross all three areas.
01
Healthcare
Clinical negligence, bodily injury and regulatory proceedings.
02
Technology
Errors, product failure, contractual loss and intellectual property.
03
Cyber
Privacy events, extortion, response costs and disruption.
Product at a glance
Built for companies where healthcare and technology meet.
For telemedicine providers, mHealth apps, remote patient monitoring, healthcare AI, ePharmacies and patient management systems.
Practitioners
Automatic cover for physicians and medical practitioners offering services on the company’s behalf.
Technology and products
Technology errors and omissions, breach of contract, and products failing to perform, including wearables and self-monitoring devices.
Cyber and cybercrime
Tailored cyber, privacy and cybercrime cover with proactive response services.
Liability package
Public and products liability, employers’ liability and legal expenses can sit within one coordinated package.
Worldwide scope
Worldwide jurisdiction is available, subject to the terms and territorial provisions of the policy.
Maximum limit£10,000,000
Minimum deductibleNil
Minimum premium£5,000
Optional enhancements include defence costs in addition, defence of licence proceedings and blanket additional insured cover. All terms are subject to underwriting and the issued policy.
01 / Healthcare
When digital care causes clinical harm.
Examples of how professional liability, regulatory and product protection may respond when healthcare is delivered through technology.
Bodily injury
A telehealth provider prescribes medication without adequate identity, medical-history or testing checks, worsening a patient’s condition.
Healthcare professional liability can respond to bodily injury allegations arising from negligent acts, errors or omissions in the delivery of care.
Regulatory investigation
A remote consultation does not follow the regulator’s telehealth guidance, leading to a formal investigation of the clinician and provider.
Cover may respond to investigation costs and expenses, together with covered fines or penalties arising from the provider’s activities.
Legal expenses
A precision-medicine provider faces allegations that its advertising breaches healthcare rules and makes unsupported clinical claims.
Healthcare regulatory cover can meet eligible legal expenses associated with defending the proceeding.
Product failure
Problems with connected health technology produce inaccurate data and advice, leaving the provider unable to fulfil third-party contracts.
Product failure cover can address financial-loss claims where technology does not perform or function as intended.
02 / Emerging technology
New tools create new routes to liability.
AI, connected platforms and third-party technology can produce bodily injury, financial loss and intellectual property allegations.
Technology errors and omissions
AI transcription software creates incorrect terminology and inaccurate medication records, exposing patients to misdiagnosis or the wrong dose.
An eHealth policy can extend bodily injury protection to claims arising from technology activities, rather than excluding or sub-limiting them.
Intellectual property infringement
A medical education platform’s generative AI uses third-party literature without the necessary licences or consent.
Intellectual property cover may respond to allegations that generated content infringes third-party rights.
Technology-triggered bodily injury
An external telemedicine platform outage prevents access to patient records, delaying treatment and contributing to bodily injury.
Combined protection can respond where clinical liability begins with a technology or cyber failure outside the provider’s direct control.
03 / Cyber
Patient data and care continuity are inseparable.
A cyber event can affect privacy, clinical delivery, income and regulatory obligations at the same time.
Privacy liability
A cyber attack blocks access to electronic medical records and exposes sensitive patient information, disrupting care and prompting regulatory scrutiny.
Privacy liability, regulatory, incident response, forensic, legal and patient-notification costs may all be engaged.
Extortion and disruption
Attackers exploit exposed remote access and weak credentials, steal patient data, encrypt systems and force online appointments to be cancelled.
Cyber cover can support extortion response, forensic investigation, system recovery, breach notification and eligible business interruption loss.
Application
Tell us how your digital health business works.
The application covers your activities, patient interaction, contracts, technology controls, cyber security and insurance history.