mHealth applications are software applications designed for mobile devices that support healthcare delivery, patient monitoring, health information management, or wellness tracking. These applications may be used by healthcare providers as clinical tools or directly by patients for self-management. In the Australian insurance context, mHealth applications create multiple risk exposures: professional liability if the application is used in clinical decision-making, product liability if the application malfunctions causing patient harm, cyber liability for data breaches, and technology errors and omissions for software failures. Developers and healthcare providers using mHealth applications require insurance addressing both the technology and clinical aspects, ensuring coverage extends to software performance issues, data security under the Privacy Act 1988 (Cth), and any clinical advice or monitoring functions the application performs.
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