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Protecting the healthcare and medical industry through innovative insurance solutions

Expert insights on Australian healthcare insurance, including medical malpractice, cyber risks, claims trends and bundled policies to help healthcare providers protect their people, reputation and bottom line.

20/11/2025 · 3 minute read

The Australian healthcare and medical industry is facing a complex web of challenges, including an aging population, regulatory reforms and workforce challenges. The dynamic healthcare risk landscape has seen a rise in medical malpractice insurance claims and increasing cybersecurity threats targeting Australian healthcare providers.

From high-risk sub-sectors like aged care and IVF, to the broader healthcare industry, organisations must navigate an increasingly volatile risk environment. Financial pressures, regulatory shifts and rapid digital innovation are reshaping how healthcare providers manage their exposures and how insurers respond with industry-specific solutions.

In this episode of the Australian Healthcare Insights Podcast, host Samir Sofat sits down with Stephanie Bristow from Marsh UK and Rocky Ruperto from CFC Insurance, to unpack industry trends and challenges, and explore practical solutions for healthcare providers.

With Australian healthcare organisations often being early adopters of new and innovative insurance products and digital solutions, listen to our podcast to understand how the insurance market is adapting to meet the evolving needs of the industry, helping healthcare providers protect their people, reputation and bottom line.

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Key takeaways

Consider integrated coverage

Combined policies specifically designed for healthcare risks are becoming increasingly popular. These package policies provide multiple coverages such as bodily injury, regulatory related costs and fines, cyber and technology errors and emissions all under one seamless policy. These integrated products can help to reduce overall insurance costs and gaps in cover. The importance of maintaining standalone limits for certain coverages should still be considered to align with an organisation’s risk profile and key exposures.

Prioritise cyber resilience

Healthcare providers are prime targets for cyberattacks. Implementing proactive cybersecurity measures can help prevent breaches and minimise claims impact.

Strengthen governance frameworks

With Australia’s healthcare regulatory landscape continuing to evolve, organisations which can demonstrate robust enterprise risk management, corporate and clinical governance, and a measured approach to new technology adoption can help improve insurer confidence to secure better terms.

About our speakers

This publication is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. The information contained herein is based on sources we believe reliable, but we make no representation or warranty as to its accuracy. Marsh shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. Any modelling, analytics, or projections are subject to inherent uncertainty, and any analysis could be materially affected if any underlying assumptions, conditions, information, or factors are inaccurate or incomplete or should change.

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