Healthcare buildings have a unique risk profile because of their critical operations and the vulnerability of the people inside.

Fire or water damage can have serious consequences, not just through property loss, but also the immediate impact on patients or residents who may need to be relocated.

Damage to key building systems such as lifts, fire alarms, medical gas supplies, and HVAC can interrupt care and lead to costly downtime or compliance breaches.

Many critical care facilities have backup power and utility systems in place, but these need regular testing and maintenance to make sure they work when needed most.

At CIX, our approach to healthcare property insurance focuses on maintaining operational continuity and protecting the wellbeing of residents and patients.

We arrange specialist policies designed for healthcare and aged care facilities, covering both the property itself and the essential systems that keep it running, from fire alarms and lifts to medical gas and power infrastructure. This ensures that if something goes wrong, the response and reinstatement process can begin without delay.

When a claim involves a critical care facility, we treat it with the urgency it deserves. Our role is to help keep services running where possible and to get the site safely back to full operation as quickly as conditions allow. We work closely with facility managers, loss adjusters, and insurers to coordinate repairs, and minimise disruption to patient care.