Corporate Travel Insurance

1

Medical Expenses

Offers coverage for eligible overseas medical expenses of employees arising from sickness, illness, accidents, hospitalisation, along with evacuation charges.

2

Daily Hospital Allowance

Provides daily allowance benefits during hospitalisation as per the policy terms and sum insured limit.

3

Trip Cancellation

If, due to unavoidable reasons, a trip is cancelled before the employee's departure, this policy will reimburse eligible non-refundable travel expenses.

4

Trip Curtailment

Compensates for additional expenses and financial losses when a journey is unexpectedly cut short by early return to India.

5

Baggage Loss or Delay

Provides compensation for lost or delayed baggage beyond 12 hours from the scheduled arrival of checked-in baggage during a business trip.

6

Loss of Passport

Covers the cost of producing a duplicate passport if your passport gets lost during an internal business trip.

7

Golfers Hole-in-one

In case you win a hole-in-one on any United States Golfers’ Association-recognised golf course, we will cover the celebration costs up to a specific limit.

8

Personal Liability Cover

Protects employees against legal liabilities arising from accidental third-party bodily injury or property damage.

9

Policy Exclusions

Employees will not get coverage for self-inflicted injuries, routine medical check-ups, or pre-existing conditions, as listed in policy documents.

10

Deductible Limit

This policy includes deductibles of $100 for medical, evacuation, dental, and liability, and $25 for passport loss.

Territorial Limit

Under policy guidelines, every trip must begin in India for legitimate business purposes.

Policy Period

This policy is valid for 365 days, during which a maximum of 180 days are covered with a per-trip duration of 30, 45 or 60 days.

Entry Age

Employees within the age bracket of 18 years to 70 years can get the corporate travel insurance policy.

Sum Insured Limit

Companies choose a coverage amount between $50,000 and $1,000,000 based on the selected plan.

Pre-medical Check-ups

Employees aged between 61 and 70 years must submit medical documents, such as a blood sugar test or a urine routine, within 30 days of application.

Required Documentation

While purchasing this policy, it is essential to provide the proposal form, passport, visa, travel itinerary, employee ID, company authorisation, and any additional insurer-required documents.