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Business Travel Insurance
Business travel insurance is a vital safety net for all those who shoulder major company responsibilities while travelling internationally. It ensures they can safely return to their beloved families. If you are travelling on business, you might want to opt for business travel insurance to avoid the hassles of trip delays or unanticipated healthcare costs.
Employees and regular business travellers can benefit from business trip insurance as they are financially safeguarded from unexpected scenarios that can adversely affect important work trips.
Reliance General Insurance offers Reliance Travel Care Policy - Corporate Short Term and Annual Multi-Trip Plan with extensive coverage features and benefits. Here is what you need to know about our comprehensive coverage for all your business travel needs.
Business travel insurance is a type of international travel insurance policy that protects you from adversities that may otherwise ruin your overseas business trip.
Unexpected adversities can crop up at any time during your travel for several reasons, such as lost passports, lost or delayed checked-in baggage, trip delays, trip interruptions, missed connections and more.
Having a business trip travel insurance policy can help you evade all these unwanted situations and focus on your business trip.
Again, if you suddenly fall ill during your trip or meet with an accident that requires hospitalisation, you are required to pay for your medical expenses in foreign currency. This huge expense will be covered if you own a business travel policy. Moreover, if you need to be medically evacuated, this policy will cover the cost of your transportation.
With all these benefits in one policy, it would only be wise to own a business travel plan for your upcoming business trip. You can either opt for a single-trip policy or a multi-trip policy if you frequently fly overseas on business.
Let us look at the inclusions under Reliance travel insurance for business travellers:
If you require medical treatment while travelling on business to an overseas destination, owning this policy will cover your healthcare cost as per that country's medical care expenses.
In addition, we cover dental expenses, provide a daily allowance in case of hospitalisation, compensate for accidental injuries resulting in disabilities and death and reimburse for compassionate visits. We also compensate for accidental death while travelling in a common carrier.
Moreover, you will be covered for the emergency expenses incurred for evacuation to India And in case of untimely demise, repatriation of the body or burial abroad is also covered in this policy.
This travel insurance for business travel compensates you financially for the total loss or delay of your checked-in luggage. Also, if you lose your passport, which is the most vital identity proof you have when abroad, this policy will provide you with the necessary financial assistance to obtain a duplicate or fresh passport so that you can continue your business trip.
Whether your flight is delayed due to medical issues, employment issues or natural disasters for more than 12 hours, your business travel insurance policy will reimburse you for any expenses you incur. Additionally, suppose your trip is cancelled or interrupted because you fall ill or there is a death in your immediate family, etc.. In that case, this policy will compensate you for your forfeited non-refundable payment (prepaid).
If you are mugged or lose your money while travelling, this business travel insurance for employees will provide you with immediate financial assistance as soon as you raise a claim. This way, you can rest assured that you have emergency financial coverage available until you arrange for funds to resume your overseas business travel.
If you have missed your connecting flight due to its delay in arrival, we will compensate you for the additional expenses incurred, subject to the policy conditions.
With our business trip insurance, we also offer compensation for third-party liabilities, including property damage, physical injury, and even death, caused involuntarily by you.
The business travel insurance policy also provides you with an allowance for hijack distress if your flight is hijacked for more than 12 hours to help you overcome the traumatic event.
This business travel insurance policy also covers various expenses in case of attempted burglary or burglary of your home in India while you are travelling abroad. Coverage is provided for loss or damage of property, subject to policy terms and conditions.
Medical expenses arising due to the following are excluded from our Business Travel Insurance:
Pre-existing illnesses (unless they are life-threatening) and related complications.
Suicide or self-inflicted injury or illness
Mental disorder, anxiety, stress or depression
Alcohol or drug abuse
Venereal disease, HIV/AIDS, etc.
Engaging in dangerous sports activities
Travelling against the advice of your physician
Receiving or serving the waiting period for a specified medical treatment
Received terminal prognosis for a medical condition
Taking part in a military, naval, or air force operation
Theft or loss of passport because it was left unattended or was not reported to the police
No partial loss or damage becomes payable in case of loss of checked-in baggage.
With our business travel insurance policy, you get unique benefits, such as Home Burglary Insurance, Financial Emergency Assistance, Compassionate Visit, and more on your international business trip.
You can decide on the best travel insurance by choosing between our Standard, Plus and Elite plan options based on your specific requirements.
If you are a frequent business traveller, you can purchase our annual multi-trip travel insurance plan that covers multiple trips in a year, avoiding the need for purchasing separate policies for every trip.
We also extend per-day basis coverage for short-term business trips.
Coverage for medical expenses is offered for pre-existing health conditions in case of life-threatening scenarios.
We extend 24/7 Emergency Services through our Emergency Assistance Service Provider.
With the help of our Emergency Assistance Service Provider, we extend 24-hour emergency services to address your specific needs.
We extend seamless cashless and reimbursement claim processes to ensure smooth and quick settlements.
Employees holding executive positions and travelling to various international destinations often to attend business meetings or conferences can benefit from business travel insurance.
Employees of international companies travelling across different destination countries for their global operations can purchase business travel insurance for additional financial protection.
Individuals who own businesses and travel across the globe to engage in different operations, such as meeting clients, attending conferences or reviewing projects, require business travel insurance.
Individuals travelling to risk-prone areas where there are political threats or medical concerns need business travel insurance for added financial security.
You need to make careful and informative considerations before purchasing a business travel Insurance policy, which should include the following:
You must evaluate coverage needs, like medical evacuation and costs, personal liability and baggage coverage.
Get a detailed understanding of the policy exclusions so that you can avoid being surprised when filing a claim.
Make sure that the claim process is simple, quick and efficient.
Make a comparison of different premiums to find the most suitable plan for your coverage needs.
Ensure that the insurance provider that you select is IRDA-approved and is well-reputed among customers. You can go through customer reviews to find out more about the insurer's reputation.
Reliance General Insurance offers single and annual multi-trip business travel insurance plans so that you can financially secure your business trip. Whether you require coverage for luggage loss or medical emergencies, our business travel plans come with extensive coverage to keep you safe during your overseas business trip.
Follow these simple steps to buy our business travel insurance plan:
Step 1: Visit our official Reliance General Insurance's International Travel Insurance Page.
Step 2: In the Get Quote section, choose between the 'Individual' and 'Annual Multi-Trip' Travel Insurance.
Step 3: Provide the essential information, such as your travel destination, trip duration and contact details.
Step 4: The screen will display the various business travel insurance plan options and the applicable premium rate.
Step 5: Understand the different policy inclusions and benefits, compare the options and choose the best business travel insurance plan.
Step 6: Pay the applicable premium using any of the available digital payment methods, and we will issue the business travel insurance policy almost instantly to your registered Email ID.
Claiming business travel insurance is a simple and hassle-free process and involves just a few simple steps.
Step 1: Intimate your claim with Reliance General Insurance within 24 hours of the insured event's occurrence.
Step 2: For cashless claims, contact us at our landline numbers or WhatsApp numbers mentioned in your policy schedule.
Step 3: For reimbursement claims, pay for the expenses and submit the applicable bills and supporting documents to the address mentioned in your policy document.
Individuals travelling overseas for business need to invest in travel insurance specific to their coverage needs. With proper research, you can find the right policy that is tailored to your needs for your business trip and is easy to approach when making a claim.
Ensure that the business travel insurance policy comes with comprehensive coverage so that you are protected from unanticipated events, medical emergencies, and other financial securities.
The common types of business travel insurance include single-trip and annual multi-trip business travel policies.
To compare and choose the most appropriate business travel insurance plan, consider different factors, such as the type of coverage, destination country and duration of the business trip.
No, if you leave your passport unattended or do not report its loss to the police within the first 24 hours, your claim for reimbursement for purchasing a duplicate passport will not be approved.
Disclaimer: *T&C apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708. Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy– Platinum Plan. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale.
Here's a list of countries where our travel insurance is valid and where you can seek assistance from our local emergency services providers.
5.Bali
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