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Report

Australian Healthcare Insurance Market Update 2025

Key insurance market trends and insights for healthcare providers

The healthcare industry in Australia continues to evolve rapidly in 2025, shaped by regulatory reforms, digital health transformation and emerging risks.

Our latest report offers a comprehensive analysis of the first half of the year, offering insights into insurance market dynamics, coverage and risk trends, and strategic advice to help healthcare organisations optimise their insurance renewals and manage risks effectively.

In 2025, the Australian healthcare insurance market is characterised by increased competition and the rise of specialist package policies, which are driving better pricing and coverage options for healthcare providers. Artificial intelligence, workers liability and abuse cover are some of the key industry risk areas insurers and insureds are focused on.

The report provides market insights on key insurance classes relevant to the healthcare sector, including:

  • Medical malpractice insurance
  • Directors and officers liability insurance
  • Cyber insurance
  • Workers’ compensation insurance

This industry-specific update gives you a detailed perspective on the healthcare insurance landscape in Australia, including:

Healthcare insurance market trends and outlook

Coverage and pricing developments

Insurer appetite and market influences

Tips on maximising renewal outcomes

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Download the Australian Healthcare Insurance Market Update to access the latest insights, trends, and expert advice tailored to healthcare providers and organisations.

FAQs

Our Healthcare Insurance Market Update 2025 is an industry-specific report that provides insights into insurance market trends, coverage developments and risk management strategies within the Australian healthcare sector. It’s an addendum to our Australian Mid-Year Insurance Market Update, and an essential resource for healthcare providers, brokers and risk managers seeking to understand current market conditions and emerging industry risks.

Key risks include cyber security threats, medical malpractice claims, regulatory scrutiny, workers liability and operational risks related to technological change and data management.

By understanding evolving market trends, proactively managing cyber and medical malpractice or professional indemnity risks, and engaging early with their insurance broker and insurers, healthcare organisations can negotiate better coverage terms and premiums.

Focus areas include cyber liability, medical malpractice, clinical risk, data breach response, workers liability, abuse cover and legal costs related to regulatory actions, as these are increasingly critical in today’s healthcare environment.

Staying informed about insurer appetite shifts and emerging risks allows healthcare providers to adapt their risk management strategies, invest in preventative measures and select appropriate coverage solutions to mitigate potential claims and operational disruptions.

Increased competition and the rise of specialist package policies are driving better pricing and coverage options. Insurers and insureds are also reviewing liability gaps and overlaps to optimise protection and coverage.

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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