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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

Samir Sofat

Samir Sofat

Healthcare Practice Leader, Marsh Pacific

  • Australia

Samir has over a decade of insurance experience as an underwriter and risk advisor. Samir leads Marsh’s Pacific Healthcare Practice and is responsible for developing innovative bespoke solutions for our clients within the life sciences, healthcare and care industry. He works within our Global Healthcare Practice across the US and UK, ensuring cross-collaboration on market updates, benchmarking and other insights but also has an in-depth understanding of the Australian care sector and the challenges it faces.

Stephanie Bristow

Stephanie Bristow

Senior Healthcare Client Executive and Chief Client Officer, Marsh

  • United Kingdom

Stephanie Bristow is a Senior Healthcare Client Executive and Chief Client Officer within Marsh UK’s FINPRO Practice. She began her insurance career in 2009 and has more than 16 years’ experience across claims and underwriting, including handling complex medical malpractice matters and underwriting casualty treaty, cyber and healthcare risks. She joined Marsh in February 2022 and, in her client-facing roles, focuses on delivering tailored insurance and risk-transfer solutions for healthcare clients.

Rocky Ruperto

Rocky Ruperto

Healthcare Team Leader, UK and International, CFC Insurance

  • United Kingdom

Rocky Ruperto is the Team Leader of the UK and International Healthcare Underwriting team at CFC, based in London. A qualified solicitor in Australia, he brings nearly 15 years’ insurance industry experience, specialising in medical malpractice and digital health risks. He leads a team underwriting bespoke solutions across the UK, Australia, Europe and Asia, supporting brokers and digital healthcare clients with tailored cover for complex and emerging exposures.

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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