Virtual Care

Holistic and flexible risk protection solution for digital health businesses.

Explore our new Spotlight on Digital Health & Wellness 2024 report

What we offer

From cybersecurity risks to medical device failures, the digital health space is getting more complex every day.

Our holistic and flexible policy form can be custom-tailored to meet the evolving needs of growing digital health businesses, in just one policy.

Available Coverages:

Healthcare Professional Liability
Tech Services/Tech Products Liability
Cyber Liability (Beazley Breach Response or InfoSec)
First Party Cyber
General Liability (Claims Made or Occurrence)
Products/Completed Operations
Media Liability
Clinical Trials Financial Injury

The Beazley Difference

Integrated risk protection package that combines several coverages in just one policy
Affirmative coverage for claims made against an insured which results in bodily injury
Deep product knowledge since we pioneered Virtual Care in 2009
Knowledgeable Underwriters, Wordings Lawyers, and Claims Managers with expertise in all key areas of coverage
Dedicated Beazley Breach Response Services, including breach response management, information security insurance solutions, and risk management services

Who we can help

A wide range of healthcare organizations including:

Telehealth/telemedicine – medical providers (doctors, psychiatrists, psychologists, nurse practitioners, physician assistants, therapists, registered nurses; hospitals and other medical facilities; dentists and many other ancillary providers) that use technology to deliver virtual health consultations, including diagnosis, and treatment and care recommendations and pharmacy fulfilment.
mHealth providers – technology companies focusing on wearables, apps and mobile technology to provide access to healthcare support and monitoring.
Med tech/devices – platforms, analytics, software as a service (SaaS), and software developers that make digital health possible.
Lifestyle & wellness – individuals and businesses supporting lifestyle and wellness choices in a variety of spheres including exercise, diet, emotional, physical and mental wellbeing.

WHERE IS THIS OFFERED?

Worldwide for organizations domiciled in the United States, United Kingdom, Canada, Singapore, Australia, Hong Kong, Colombia, Chile, and Spain

Examples or Scenarios

Medical Malpractice
The insured provided telemedicine health counselling, and the claimant reported abdominal pain and asked if she was able to travel. The insured’s doctor wrote an antacid prescription and said she could travel, but recommended she go in and get physically examined if her abdomen was distended. On the way to the airport, the claimant’s complaints worsened, and she went to the emergency room where she was found to have a bowel rupture.

Cyber
A healthcare organization was attacked by a sophisticated foreign phishing attack which exposed the information of nearly 20,000 pediatric patients. Employees had clicked on the phishing emails and either gave up credentials or launched malware into their network. Forensics found some evidence of data exfiltration. The data contained patients’ names, clinical information, phone number, addresses and insurance information. Our Beazley Breach Response Services coordinated outside legal counsel, forensics, notification, a call center vendor, and credit monitoring.

Tech Services/Tech Products Liability
The insured was a software computer company specializing in converting medical data, usually from an upgrade or switching electronical medical record (EMR) software. The claimant brought a medical malpractice claim against their healthcare provider and two doctors for improperly prescribing a drug. The insured was brought in as a third-party defendant and the complaint alleged that the patient’s medical records were not properly transferred from one EMR software to another, which led to prescribing the wrong drug.