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What Telehealth Insurance Requirements Apply in Hawaii?

Hawaii physicians must document an evaluation sufficient for diagnosis, and an online questionnaire alone does not meet the statutory standard for treatment. The current statute also requires an in-person physician-patient consultation before prescribing opiates, with a narrow three-day exception for a patient seen in person by a clinician in the same medical group. These practice rules do not establish what a professional-liability policy covers.

What Is Telehealth Insurance?

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 Should You Watch for With Telehealth Insurance in Hawaii?

  • Opiate Prescribing Has An In-Person Gate

    Hawaii requires an in-person consultation to establish the physician-patient relationship for an opiate prescription. The exception allows up to a three-day supply when the patient has been seen in person by a healthcare provider in the prescribing physician’s same medical group. Ask the broker to review the covered prescriber and any group practice entity involved. 1

  • Questionnaires Do Not Replace Evaluation

    A prescription based only on an online questionnaire is not acceptable treatment under §453-1.3. Ask how the policy describes services delivered through your intake platform and whether it covers the clinicians making the subsequent evaluation. 1

  • Audio-Only Mental Health Has Separate Plan Rules

    For the statutory reimbursement rule, audio-only mental-health care delivered to a patient at home is reimbursed at 80% of the in-person rate, and requires a non-audio visit within six months before the first audio-only visit or twelve months before a later one. This health-plan rule does not determine professional-liability coverage; ask the broker to confirm audio-only services and clinicians are listed in your liability application. The provision is scheduled for repeal and reenactment on December 31, 2027. 2

Which Telehealth Insurance Providers Have Hawaii License Records?

No provider in our 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.

Who Regulates Insurance in Hawaii?

Hawaiʻi Insurance Division

The Insurance Division oversees insurance companies and producers, examines Hawaiʻi-based insurers, reviews rate and policy filings, and investigates insurance complaints. It is part of the Department of Commerce and Consumer Affairs. 3,4,5

Surplus-Lines Tax and Stamping Office in Hawaii

Reported tax rate. 4.68% of premium when Hawaiʻi is the home state 6,7

Hawaiʻi applies a 4.68% tax when it is the insured’s home state. Surplus-lines coverage is placed with an unauthorized insurer, so do not assume the Hawaiʻi Insurance Guaranty Association protects the policy; confirm the insurer’s status and policy terms with your broker.

What Should You Ask Before Buying Telehealth Insurance in Hawaii?

  1. Does our professional-liability policy include the physicians and medical-group entities involved in Hawaii’s same-group, three-day opiate exception?
  2. Does the application and policy schedule describe our audio-only behavioral-health services and platform accurately?
  3. Which policy terms govern a complaint involving a treatment decision made after a questionnaire intake?

Telehealth Insurance in Hawaii: Frequently Asked Questions

Can a Hawaii physician prescribe opiates through telehealth without an in-person visit?

Usually no. Hawaii requires an in-person consultation to establish the physician-patient relationship for opiate prescribing, with an exception for a patient seen in person by a provider in the same medical group when the prescription is for three days or less. 1

How does Hawaii treat audio-only mental-health telehealth reimbursement?

The current statute sets reimbursement at 80% of the in-person rate for two-way audio-only mental-health care to a patient at home, after a non-audio visit within six months before the initial audio-only visit or twelve months before later visits. The provision is scheduled for repeal and reenactment on December 31, 2027. 2

Sources for Telehealth Insurance in Hawaii

  1. Hawaii Revised Statutes §453-1.3, Practice of telehealth. Hawaii State Legislature; §453-1.3(b)–(g), including 2025 Act 217 amendments; §453-1.3(c) scheduled repeal and reenactment Dec. 31, 2027. Accessed 2026-09-28.
  2. Hawaii Revised Statutes §431:10A-116.3, Coverage for telehealth. Hawaii State Legislature; §431:10A-116.3(b)–(c), including audio-only mental-health reimbursement; scheduled repeal and reenactment Dec. 31, 2027. Accessed 2026-09-28.
  3. Insurance Division. Hawaiʻi Department of Commerce and Consumer Affairs; Official division homepage; scope, license search, complaints, contact information. Accessed 2026-09-28.
  4. Insurance Licenses and Registrations. Hawaiʻi Insurance Division; Insurance license information; links to state-based system for license applications and status. Accessed 2026-09-28.
  5. Filing a Complaint. Hawaiʻi Insurance Division; Online complaint form and published consumer phone. Accessed 2026-09-28.
  6. Surplus Lines Tax. Hawaiʻi Insurance Division; 4.68% rate and home-state application under HRS § 431:8-315. Accessed 2026-09-28.
  7. HRS § 431:16-105: Definitions. Hawaiʻi Legislature; Defines a member insurer as an insurer licensed or holding a certificate of authority in Hawaiʻi; cross-read with HRS § 431:8-102 and § 431:8-301 for unauthorized surplus-lines placements. Accessed 2026-09-28.
  8. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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, email The General Average with a supporting source.

Telehealth Insurance Guides for Other States

Other coverage in HawaiiEvery coverage guide for Hawaii, plus the regulator and surplus-lines details.

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