Tech Bodily Injury

A surge in innovation, including Artificial Intelligence, robotics, 5G, and the Internet of Things (IoT), is delivering great benefits, improving access, quality, and affordability of e-health provision - but is also changing the risk profile of providers.

One particular risk exposure is known as Tech Bodily Injury and replaces the traditional Bodily Injury or Medical Malpractice cover, which is now outdated and not sufficient for digital healthcare companies. Tech Bodily Injury relates to the use of technology in healthcare, and how poor management, technology failure or cyberattack can lead to bodily injury or harm to the patient.

Examples of Tech Bodily Injury

With technology increasingly utilised for purposes of assessment and diagnosis, there are many situations in which Tech Bodily Injury can occur:

• Telemedicine: Failure to correctly assess a patient’s symptoms via telemedicine could lead to wrong diagnosis and inappropriate or delayed treatment, all of which could result in patient bodily injury. Likewise, if the patient has to submit an electronic image of their physical condition, such as a rash or a mole, and the image is distorted, it could lead to a wrong diagnosis.
• AI: With AI increasingly used to assess patient conditions and diagnose, sometimes via chatbot, an inaccurate description on the part of the patient could lead to a misdiagnosis or a condition being undiagnosed.
• System failure: In the event of a system outage or even system failure, a medical emergency could go undetected, a condition could be undetected and the patient not treated, leading to bodily injury or even death.
• Cyberattack: In the event of a cyberattack, ransomware could be used to deny access to systems or patient data, causing a potentially serious situation where a patient is being monitored and medication prescribed via telemedicine. The cyberattack may prevent medicines from being prescribed, resulting in bodily injury or even death.

Talk to PIB

Healthcare innovation, the rise of digital health providers, and the sector's increasing dependency on technology are delivering a new, much needed enhanced level of service, but also giving rise to new and emerging risks, calling for an in-depth understanding of the digital healthcare market.

Here at PIB, we are committed to meeting the emerging requirements of digital healthcare companies and are continually developing our Healthcare proposition. Drawing on more than 20 years of experience in the sector, we can provide high quality, flexible eHealth policies, aimed at any UK company delivering healthcare services electronically, including telemedicine platforms and providers, 3Health apps, remote patient monitoring tools, AI, e-Pharmacies and eHealth research involving data collection and analysis.

Designed to meet the needs of today’s telemedicine providers, we offer policies with a broad range of covers and can be tailored to meet specific requirements, ensuring you are protected against new and emerging risks, whatever the field of telemedicine you’re involved in. To find out more and ensure your telemedicine business is protected, please call Richard Cupit on 07935 709160 or email us at: Richard.Cupit@pib-insurance.com.