Illustrative example
An employee needs urgent medical treatment during an insured overseas business trip. The policy may contribute to covered medical or assistance costs.
Business trips and traveller assistance
Corporate travel insurance
Business travel can go wrong a long way from home.
Corporate travel insurance may cover eligible directors, employees or approved travellers for selected overseas medical, cancellation, delay, baggage, personal-accident, rental-vehicle or liability events. Destinations, traveller eligibility, maximum trip duration and pre-existing conditions matter.
Preparing the review
What information usually matters?
- Number and type of travellers, including accompanying spouses or dependants.
- Trip frequency, maximum duration, destinations and high-risk locations.
- Business and incidental leisure components.
- Known medical conditions, age limits and manual-work activities.
- Medical, cancellation, baggage, accident and assistance limits.
Important boundaries
Travel against official advice, undeclared conditions, excluded activities and trips beyond the maximum duration may be restricted. Always use the insurer's emergency-assistance process where required.