Healthcare Insurance

Healthcare businesses carry a high level of trust and responsibility. Whether you run a clinic, offer physical therapy, or manage a medical practice, you need insurance that protects your people, your patients, and your reputation.

Healthcare Insurance is designed to help cover the unique risks that come with treating clients, handling sensitive data, and managing equipment. From professional mistakes to data breaches, injuries, or equipment failure, having the right cover can make all the difference.

At Bluewell we help health professionals across Australia get insurance that fits their work. Whether you’re a sole practitioner, clinic owner, or part of a larger group, we’ll guide you to the right cover.

Aged Care Insurance

Why Healthcare Providers Need Insurance

When you work in health or wellness, things don’t always go to plan. An honest mistake, a technology failure, or an accident in your space can quickly become a serious issue.

Healthcare Insurance can help with:

  • Claims from unhappy patients
  • Damage to expensive medical equipment
  • Data loss from cyber attacks or system errors
  • Injuries that happen on your premises
  • Business shutdowns due to property damage
  • Cover required by your licence, lease, or association

Key Insurance Covers for the Healthcare Industry

Here are the core covers used by health businesses and professionals in Australia.

Professional Indemnity Insurance

Covers claims made against you for professional mistakes, treatment errors, or advice that causes harm or financial loss.

Examples:

  • A patient claims you gave the wrong treatment
  • A mistake in documentation leads to a health issue
  • Your advice is blamed for making a condition worse

Who needs it:
Doctors, nurses, allied health professionals, massage therapists, counsellors, naturopaths, and more.

Learn more

Public Liability Insurance

Covers injuries to clients or damage to their property while visiting your business.

Examples:

  • A client slips on a wet floor in your clinic
  • A massage table collapses and causes injury
  • A patient’s phone is damaged during a session

Learn more

Contents and Equipment Insurance

Covers medical equipment, treatment beds, office furniture, and stock if damaged or destroyed.

Examples:

  • Fire damages your physio equipment and office
  • A burst pipe ruins your clinic furniture and stock

Learn more

Cyber Liability Insurance

Covers costs from a data breach, hacking, or accidental leak of private client information.

Examples:

  • A hacker gains access to your client database
  • Staff accidentally email the wrong medical files
  • Your system crashes and loses key patient records

Learn more

Business Interruption Insurance

Covers lost income and extra costs if you can’t open due to a covered event, such as fire or storm damage.

Examples:

  • A clinic flood means cancelling appointments for two weeks
  • Repairs from storm damage delay your reopening
  • You temporarily relocate after a fire

Learn more

Common Claims in Healthcare

  • A cyber attack exposes sensitive patient health records
  • A client trips on a mat in a waiting room and sues for injury
  • A power outage damages a clinic’s diagnostic equipment
  • A psychologist is accused of providing poor mental health advice
  • A burst pipe forces a dental clinic to shut for a week

Who should apply for healthcare insurance?

If running any of the following healthcare businesses, you need to apply for healthcare insurance urgently:

Frequently Asked Questions

Yes. You still face risks even without a physical clinic. You may still need professional indemnity, public liability, and portable equipment cover, depending on how and where you work.

For most registered health professionals, yes. Many licensing bodies, associations, and contracts require it.

Many clinics offer multiple services like massage, allied health, and counselling. Your insurer needs to be aware of this to accurately provider cover.

Your licensing body, landlord, or industry association may set minimum limits.

Yes. Most healthcare businesses bundle their property risks into a single Business Pack. This makes it easier to manage and can help reduce premiums.

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