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Virtual Care

Health and Wellbeing: a new perspective. Where many see healthcare and technology, we see interconnected risks.

We see how the interconnected nature of digital health exposes businesses to a range of unique, interconnected risks not just around diagnosis, treatment and care, but also linked to technology, data privacy and compliance. That’s why we created our Virtual Care Insurance solution, a flexible risk protection package that is easy to work with and combines Professional Liability, General Liability, Cyber Liability and Technology Liability along with Media. Just one policy to endorse and renew - designed to provide integrated, tailored cover for growing digital health businesses.

Who is it for?

A wide range of Insureds can benefit from the Beazley Virtual Care product. These include those involved in healthcare, lifestyle, wellness and technology, both large and small businesses, including the following sectors:

  • Telemedicine: provision of medical-health care, pharmacy and remote monitoring services by healthcare professionals using information communication technology.
  • mHealth: use of mobile technology (including apps) and wearable devices by a patient to assist with health/condition management, self-care and symptom checking.
  • Lifestyle and wellness: the use of mobile technology (including apps) and wearable devices to assist users with lifestyle choices and wellness management.
  • Platforms, analytics and software: IT tools, analytics, software, platforms and portals for use by medical professionals, coaches, lifestyle advisors and any activity involved in health management.

Our covers

Limits

10M€ limit

Virtual Care has four fundamental pillars to meet the needs of policyholders operating in this sector:

  • Medical Malpractice (Medical Liability)
  • Professional Liability for technological and content development (not excluding personal injury)
  • General Liability and Product Liability
  • Cyber (complete both Civil Liability and own damage)

There are also additional coverages such as:

  • Mitigation costs, costs of investigation by health authorities
  • Extension of investigation costs
  • Loss or Damage to employees or patient's property
  • Extension of moral damages
  • Claims for loss of documents
  • Reputational damages (expenses)
  • Environmental liability costs