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FAQs About Telemedicine Coverage

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Q: Does CRICO provide coverage for telemedicine services?

A:

Yes. Claims arising out of telemedicine services are covered by CRICO’s Medical Professional Liability (MPL) policies. No notification or other action by organizations or clinicians is required for such coverage to extend. As with any claim, coverage of a telemedicine claim is subject to any applicable exclusions, conditions, or other terms in the MPL policies.

Q: Does the coverage extend to telemedicine services provided across state lines?

A:

Yes. CRICO coverage responds to claims of medical negligence domestically and internationally* for in person or virtual care. Physicians and other clinicians should comply with state licensure requirements as our current MPL policies have exclusions for willful violations of statutes, including state licensure laws.

 

In the setting of the COVID public health emergency, CRICO modified its policies effective March 10, 2020, in order to better accommodate the needs of its insureds with respect to the provision of telemedicine services across state lines. This policy change modifies the policy exclusion related to violation, or potential violation, of state licensure laws when telemedicine services are provided in response to, and/or in connection with, the crisis caused by and/or resulting from the coronavirus.

 

 

*Coverage does not apply in any circumstance for activities performed in countries or territories excluded by the Office of Foreign Assets Control (OFAC) of the U.S. Department of the Treasury.

 

Q: Does telemedicine coverage apply to entities and individuals?

A:

If your organization or practice group has entity-level coverage with CRICO, the entity, its CRICO-insured physicians and certified nurse midwives, and its CRICO-insured non-physician clinicians employed by the entity are covered for telemedicine activities. As with any claim, coverage of a telemedicine claim is subject to any applicable exclusions, conditions, or other terms in the MPL policies.*

 

 

*We expect that our member institutions and their offices of general counsel will ensure that their providers are properly licensed to conduct professional services wherever they are being delivered.  In addition, coverage for any non-physician clinician under the MPL Policies is limited to claims arising out of conduct within the scope of his or her employment.

 

This information provides only an overview of certain aspects of the Medical Professional Liability (MPL) Policies, but is not a contract. The MPL Policies are the legal documents that govern your coverage.

Q: Does CRICO coverage extend to providers performing telemedicine services while located in a state outside of Massachusetts?

A:

As explained above, in the setting of the COVID health emergency, CRICO’s policies were modified with respect to the provision of telemedicine services across state lines. This policy change modifies the policy exclusion related to violation, or potential violation, of state licensure laws when telemedicine services are provided in response to, and/or in connection with, the crisis caused by and/or resulting from the coronavirus.

Q: Does CRICO coverage extend to virtual video visits used as part of research studies?

A:

Yes. CRICO’s MPL insurance policy covers medical professional services which include clinical research.

 

Q: Where can I find more information about telemedicine?

A:

For more detailed information on the practice of virtual care and best practices, see the guide— Patient Safety Guidance for the Virtual Visit: Managing Risk in a New Care Setting produced by CRICO’s AMC PSO.

 

For information on telemedicine risks and steps to mitigate them, and how CRICO coverage responds, review CRICO’s Telemedicine Risk Management Briefing.

 

If you need further assistance, please contact Melissa Kemp, Vice President CRICO Underwriting at Melissa Kemp or 617-450-6835.


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