Insights gathered from insurance brokers illustrate how businesses leveraging digital health are increasingly concerned about potential exposures, driving interest in targeted insurance solutions.
The report reveals that digital health, while celebrated for enhancing healthcare accessibility and efficiency, introduces complex liability issues. These exposures affect a broad range of stakeholders, from healthcare providers to technology companies supporting digital consultations. Notably, 63% of brokers indicated that their clients are “extremely concerned” or “very concerned” about risks such as patient care standards, regulatory compliance, and data privacy.
“Through this report, we aimed to understand the concerns clients have about digital health services and the risks they face,” explained Chris Dunlavy, VP and Underwriting Leader for Miscellaneous Medical at QBE North America. “Findings highlight that clients are keenly aware of these risks and are looking for guidance on available insurance coverages.”
Coverage Gaps Due to Innovation
As more healthcare providers transition to digital health platforms, a potential gap in insurance coverage has emerged. According to the survey, 84% of brokers are at least somewhat concerned that certain clients may lack appropriate insurance for digital health services. Furthermore, in the past year, 39% of healthcare providers have sought broker confirmation that their policies adequately address risks associated with digital consultations.
Rising Demand for Digital Health Coverage
As awareness of these risks grows, so does interest in expanding insurance coverage. When informed of potential coverage needs, 50% of clients express interest in learning more, with 27% ready to purchase additional protection for digital health services. In fact, 68% of brokers anticipate an uptick in digital health coverage adoption over the coming year.
Educational Opportunities for Brokers and Clients
The report also underscores an opportunity to educate clients on digital health insurance. Although 69% of brokers feel “at least somewhat confident” that clients understand their digital health policy’s coverage, 31% remain uncertain. This signals a need for greater engagement to bridge knowledge gaps.
“Traditional healthcare providers are increasingly offering digital services,” said Drew Fekete, AVP of Underwriting for Miscellaneous Medical. “It’s essential that clients work closely with brokers to ensure their policies reflect their full range of services.”
The QBE North America report highlights the importance of comprehensive insurance solutions as digital health continues to reshape the healthcare landscape, urging clients to remain informed and proactive in protecting their businesses.
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