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Business travel is a travel/mission conducted on behalf of the employer, in order to perform tasks in relation to the employment.
The business travel can start either from the insured persons home or regular stationary workplace. The business trip ends when the insured returns to any of these places.
Only travel in direct connection to/from these places are covered by the insurance.
Travel to and from the insured's home and regular stationary workplace, is not considered to be a business travel.
An expatriate insurance is an insurance that the company sign for their employees who will work abroad for a longer period. The insurance is valid for the employee and accompanied family members.
The insurance is valid in the country of posting 24 hours during the expatriate period.
It is also valid during vacations worldwide.
HelpMe app – Doctor online
Travel safe with medical advice in your pocket. Download the HelpMe application and get free access to advice and guidance if you get sick or injured during your travel abroad.
If your luggage is delayed on the outbound journey you have the possibility to purchase the most necessary clothes and hygiene items that you need during the business trip. Ask for the delay report (p.i.r. report) on the airport and save your receipts. The maximum amount is shown in the policy letter.
If your luggage is lost during travel and the airline confirms that it is lost (not delayed), you have the right to receive compensation from the airline or travel agency primarily.
If the airline or travel agency will not fully compensate your loss the business travel insurance will compensate remaining value up to the maximum amount shown in the policy letter.
Please note that theft prone property shall never be checked in but shall be treated as hand luggage.
You are delayed to departure
Sometimes unpredicted things happen for reasons you cannot affect. For example, you are delayed to the airport due to a traffic accident or a motor failure.
If you are delayed to a booked and paid journey the insurance will compensate necessary and reasonable additional costs to arrive in time or to make a connection. The maximum amount is shown in the policy letter.
You are delayed during travel
If your public transport (flight, train, bus or boat) is delayed with 4 hours or more, the insurance compensates necessary and reasonable additional costs. Please ask the travel company for a delay report (p.i.r. report) Maximum amount is shown in the policy letter.
When your flight is delayed you have the right to get help from the airline primarily. Please contact the airline for more information.
Have you paid your journey with a credit card?
Normally travel insurances are included when you pay for journeys with a credit card. Please contact your credit card company to find out more regarding their insurance coverage.
If you get acute sick or have an accident you can cancel your journey and get your money back – provided that you have cancellation cover included in your insurance (optional).
Remember that the travel insurance only covers the cost that you do not get reimbursed from the travel company. We kindly ask you to contact the travel company before contacting us.
If the property that you have brought on the business trip is lost or stolen, the insurance will reimburse each item. Deduction is made for age, wear and tear.
Theft prone property such as money, jewelry, computers, mobile phones, etc. shall always be handled as hand luggage with full attention. Also, theft prone property shall never be left unattended in a car.
If the claimant declines to fulfill the safety regulations a reimbursement could be reduced or fully rejected.
If for example your mobile phone or laptop get damaged during a business travel, the insurance covers the repair cost in firsthand. If repair is not possible according to the repair store, the insurance will reimburse the property with deduction for age, wear and tear.