What Is Virtual Care and Telehealth Insurance?

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

^{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 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

^{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