Answer: Our medical professional liability insurance policy protects our employed and contracted physicians and other licensed health care professionals (e.g. nurse practitioners and physician assistants) (collectively referred to herein as “Health Workers”) from liability associated with wrongful practices resulting in bodily injury, personal injury such as mental anguish, medical expenses and property damage, as well as the cost of defending lawsuits related to such claims.
Our insurance policy covers us for any “medical professional injury” that results from acts or omissions in the providing of or failure to provide “healthcare professional services” only if the injury is caused by a “medical incident” that results from “health care professional services” that are performed as part of Health Workers’ duties with Teladoc.
The insurance policy covers all telemedicine and telehealth activities that Teladoc performs provided that such services are delivered remotely (via telephone, video, or otherwise virtually). In most situations, the Teladoc policy ‘sits on top’ of any primary insurance our healthcare professionals carry and will provide coverage in excess of the primary coverages or when primary coverage is not available.
Teladoc policy does not cover face-to-face in-person clinical care (e.g. onsite clinics) or work outside of, or on behalf of anyone other than, Teladoc.