Insurance for employees on business trips

When organizing corporate business trips, it is important to prepare for force majeure. During a business trip, an accident may occur and an employee may contract an infection. And these are just the most common options. Problems during a business trip will negatively affect both the well-being of the business traveler and the company’s finances.

Employee insurance will help those employees who face difficult situations feel more confident, and the company will avoid large financial costs.

What is included in business trip insurance?

The best option is to take out special insurance for employees, which includes several different types of insurance:

Medical insurance

The basic type provides reimbursement for emergency care. These are all procedures from an appointment with a specialist to transportation of the employee to his homeland. The extended policy also takes into account emergency dental interventions, treatment of chronic diseases, allergic reactions and poisoning. Options for assistance provided may vary depending on the country to which the employee is sent and take into account specific infections.

Insurance against accidents and natural disasters

It allows you to recover the costs necessary to treat the consequences of emergency situations.

Property insurance

This type helps in situations where luggage or valuables are lost, or accidents occur with your own or temporary car.

Travel cancellation insurance

Air travel insurance for a business trip includes coverage for costs incurred when a flight is delayed or an employee is late for it, as well as illness before departure or a visa refusal.

Employee civil liability insurance

It provides financial protection if an employee damages someone else's property or causes harm to other people.

Insurance reimbursement

The employer is responsible for paying for insurance when organizing business trips for employees in the following situations:

1. When you cannot get a visa without a medical insurance policy.
2. If insurance is automatically included in tickets. Then it is recorded as transportation costs.

In all other situations, the company is not obliged to pay for the insurance policy of an employee going on a trip, but may do so by agreement with the employee.

Business tourism brings great benefits to companies, helps them find new opportunities for development and enter foreign markets, and insurance will help protect employees who go abroad.

If you don't know what kind of insurance you should take out for a business trip, the TravelHub team will help you choose the best option and also solve other problems with organizing business travel .