The Impact of Telemedicine on Professional Indemnity Insurance for Doctors

In May 2020, the government of India published guidelines in the official gazette giving legal status to telemedicine. The guidelines are enshrined in Appendix 5 of the Indian Medical Council Regulations, 2002. Therefore, the impact of telemedicine on professional indemnity insurance for doctors is noteworthy to learn.

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Impact of Telemedicine on Professional Indemnity Insurance for Doctors

Due to the advent of Covid-19, the government of India had to issue guidelines and gave legal status to telemedicine. However, several legal issues were raised due to the legality of telemedicine. This includes data security and personal data protection. Nevertheless, it was given legal status due to the pandemic. 

Let us discuss the impact of telemedicine on professional indemnity insurance for doctors.

  1. Changing Risk Landscape

    The advent of telemedicine has introduced new dynamics and risks to the healthcare industry. Doctors practicing telemedicine face unique challenges such as diagnosing patients without physical interaction, ensuring data privacy and security, and managing technical glitches. These changes in the practice of medicine have the potential to influence the nature and frequency of professional indemnity claims.

  2. Expanded Reach and Increased Patient Base

    Telemedicine allows doctors to extend their services to patients beyond geographical boundaries. This provides access to medical care to individuals in remote areas. With an expanded patient base, doctors are exposed to a broader range of medical conditions and potential risks. This increased exposure may lead to a rise in professional indemnity claims, necessitating adjustments in insurance coverage and premiums.

  3. Technology-Related Risks

    Telemedicine heavily relies on technology, including video conferencing platforms, electronic health records and data transmission systems. This reliance exposes doctors to technology-related risks such as data breaches, cyber-attacks and technology failures. In case of a breach or system failure, doctors may be held liable for any resulting harm. This emphasizes the importance of robust professional indemnity insurance coverage.

  4. Insurance Exposure Consideration

    With the integration of telemedicine into medical practice, doctors should review their professional indemnity insurance for doctors carefully. They should assess whether their policies explicitly cover telemedicine services and associated risks, including technology-related liabilities and data breaches. Additionally, doctors must ensure that policy limits are adequate to account for the potential increase in claims.


Telemedicine has revolutionized healthcare delivery by enabling doctors to reach patients remotely. However, it also brings new considerations for professional indemnity insurance. As the telemedicine landscape continues to evolve, doctors must stay informed about the risks associated with this practice. They should further ensure their insurance coverage adequately addresses these emerging challenges. By understanding and addressing the impact of telemedicine on professional indemnity insurance for doctors, they can protect themselves and provide high-quality care in the digital age.

Written By: PolicyBazaar - Updated: 09 August 2023
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