---
title: "Telemedicine Insurance Issues"
url: "https://legal.ge/en/service/healthcare-and-pharmaceutical-law-en/telemedicine-insurance-issues-en"
field: "Healthcare & Pharmaceutical Law"
description: "Telemedicine insurance in Georgia: professional error cover, identical liability for remote recommendations and legal protection. Legal.ge."
reviewed: "2026-07-09"
updated: "2026-11-07"
publisher: "legal.ge"
---

# Telemedicine Insurance Issues

> Source: legal.ge, https://legal.ge/en/service/healthcare-and-pharmaceutical-law-en/telemedicine-insurance-issues-en

Telemedicine insurance, as a separate insurance institution, does not exist in Georgia — and that is the main thesis of this page. What does exist is the right to insure a professional error under the Law on Medical Practice (Article 97), and in the telemedicine context this right matters particularly because the physician answers for a remote recommendation exactly as for an in-person one (Article 90). The standard of care does not change with the channel of delivery.

## Professional Error Insurance — The Only Lawful Form

Article 97 says: a subject of independent medical practice has the right to insure a professional error as a result of which the patient suffered property or non-property damage. The norm, in its own wording, neither excludes nor singles out telemedicine — it covers every form of service. In practice, the "question of telemedicine insurance" therefore unfolds into three questions: what is the insurable risk (a professional error); what damage is insurable (property and non-property); and who is the insured (the subject that gives the recommendation). The answers to all three come from a single article, and that combination is precisely the frame within which the negotiation with the insurer should be conducted. The negotiation is documented position by position.

## Why This Becomes Acute in Telemedicine

Article 90 regulates the architecture of responsibility: only a subject of independent medical practice has the right to receive a consultation using telemedicine, only such a subject gives the recommendation, and it is exactly that subject which is responsible for the results of the service delivered in this form. Distance thus neither reduces nor redistributes responsibility — and if the liability is identical, the need for insurance is identical too. To this, Article 94 adds: physical or material damage inflicted in the course of medical practice is compensated by the damage-inflictor under the procedure established by legislation; the physician has the right, through the court, to protect honour, dignity, the secrecy of private life and business reputation; and a patient's complaint is transmitted to the physicians' professional association before consideration by the ministry's council. Insurance does not replace this mechanism — it creates its financial backrest.

The full text is available on legal.ge after signing in: https://legal.ge/en/service/healthcare-and-pharmaceutical-law-en/telemedicine-insurance-issues-en

### Is there a separate telemedicine insurance?

No — the lawful form is professional error insurance (Article 97), for every form of service.

### What can be insured?

The patient's property and non-property damage resulting from an error.

### Does distance reduce liability?

No — the subject giving the recommendation answers in full (Article 90).

### Does insurance replace court protection?

No — it financially reinforces the Article 94 mechanism.