Mercantile / Healthcare
eHealth & Digital Health Insurance
Insurance for telehealth platforms, health apps, remote monitoring and businesses combining healthcare with technology.
Insurance for digital healthcare businesses
An eHealth business may deliver patient services, supply software or combine both. Its insurance requirements depend on those activities and the people and businesses involved.
We can discuss insurance for telehealth providers, mobile health applications, remote monitoring services and businesses developing technology used in patient care. Research platforms and connected health products may also involve several types of insurance.
Insurance areas to discuss
Healthcare and professional liability
For businesses providing healthcare services, discuss how the proposed policy addresses allegations of errors in those services. The review should identify the insured activities and practitioners, relevant limits and exclusions.
Technology errors and omissions
Software development, implementation and support can create a different set of insurance exposures. Discuss the technology services your business supplies and whether the proposed cover addresses claims alleging a failure in those services.
Cyber and privacy insurance
Health platforms can hold sensitive information and depend on digital systems. Cyber insurance options may include incident response, certain liability claims and business interruption following specified events. The cover and triggers vary between policies.
Products and connected devices
Businesses supplying physical monitoring equipment or other connected products can discuss product liability alongside their technology insurance. Product performance cover, where offered, has its own terms and exclusions.
Why review the covers together?
A single incident can involve several parts of a digital healthcare business. For example, an interruption to a monitoring platform could involve service availability, data access and an allegation of patient harm.
An insurance review can examine how the proposed covers relate to your activities. A policy labelled “cyber” or “professional indemnity” should not be assumed to cover every aspect of digital healthcare.
Information for an insurance review
Useful starting information includes:
- The healthcare services, software and products you provide.
- Whether your business employs or engages healthcare practitioners.
- Your customer groups and operating territories.
- Turnover, business history and previous insurance claims.
- Existing insurance schedules and renewal dates.
- An overview of your systems, data handling and service arrangements.
Mercantile can explain the insurance information needed for an enquiry and discuss the options offered by insurers.
Frequently asked questions
Is eHealth insurance private health insurance?
This page concerns business insurance for digital healthcare operations. It is not about personal health insurance or paying for an individual’s treatment.
Can one policy cover healthcare, technology and cyber risks?
Some insurers offer packaged eHealth policies. The available sections, insured activities, limits and exclusions need to be checked for the particular business.
Can you arrange insurance for an overseas service?
Tell us where your business and its users operate. Territorial and jurisdiction provisions, insurer appetite and the declared activities affect the options available.
Discuss your eHealth insurance requirements
Contact Mercantile Insurance Brokers on 1300 310 467 or quotes@mercantileib.com.au to request an insurance review.
This is general insurance information. Cover is subject to insurer acceptance and the terms, conditions, limits and exclusions of the issued policy. Legal, contractual and regulatory questions should be directed to your relevant advisers.
Related healthcare sectors
Prepared by Mercantile Insurance Brokers. Updated 2 October 2026.