Corporate Travel Insurance (CTI)

Assurance voyages d'affaires

How valuable is your IT Manager for you?

Your employees are your assets. You should protect them as best as possible because a crisis situation on business trips can have far-reaching financial consequences.

Corporate Travel Insurance from ERV offers worldwide insurance cover and comprehensive on-the-spot information and assistance services.

Why is Business Trip Insurance important?

Cover for employees and human capital

A major risk to the company (for SMEs, in particular) lies in the concentration of knowledge and business contacts with a few key personnel. These key staff members go away on business trips more than the average employee, when there is a risk of an accident or sickness every day. In an emergency, they are reliant on professional help.

Duty of care of the employer

Within the scope of his duty of care, the employer must take adequate measures to protect the health of his employees. As well as causing damage to the company image, failure to take precautions with respect to insurance cover and assistance on business trips can lead to liability claims and high financial costs.

Treatment costs outside Switzerland

In certain countries, medical and hospital bills can turn out to be extremely high so that the compulsory basic insurance cover is not sufficient.

Unforeseen problems and costs

In addition to accidents and sickness, cancellations, flight delays or lost baggage can have a great impact on efficiency and the costs of business trips.

What does Corporate Travel Insurance offer you?

Corporate Travel Insurance is a comprehensive package of insurance cover and services which protects your employees on business trips, covers unforeseeable travel and treatment costs and ensures compliance with your duty of care as an employer. We offer you:

  • Emergency hotline
    The 24-hour helpline guarantees urgent help at any time – worldwide.
  • Medical assistance
    In an emergency, an experienced team of experts helps to organise on-the-spot medical care and/or medical repatriation.
  • Travel information, administrative help and services
    Support for your employees before and during the business trip through the internet portal, www.companytip.de.
  • Tailor-made travel insurance cover
    Customised cover for cancellation, lost baggage and medical treatment costs.
  • Cover for cancellation costs if the business appointment is called off by the business partner.

ECONOMY

Cancellation costs
When the business trip does not take place (sickness, accident, death etc.)
5000.–
Flight delay
Assumption of additional costs when a connecting flight is missed
500.–
SOS-protection/crisis cover/medical assistance
Transport to the hospital
Repatriation to place of residence
Transportation to home country in case of death
Search and rescue costs
Bedside visits by relatives (max. 2 people)

Additional costs for unscheduled return

Travel costs for stand-in employees

unlimited
unlimited
unlimited
50 000.–
costs actually incurred
economy class flight
economy class flight
Medical and hospital expenses worldwide
Additional insurance for treatment costs abroad

500 000.–
Personal accident cover
In case of death
In case of disability

100 000.–
200 000.–
Excess guarantee for hired vehicles
Excess cover for claims under comprehensive or theft insurance

1 000.–
Free services
Round-the-clock service/365 days a year
Medical information service
Financial advance in the event of loss or theft of currency abroad
Online information portal for travel, country, safety and medical information
Organising the blocking of mobile telephones, credit and account cards
Notifying family members in an emergency
Administrative referral to an embassy or attorney in an emergency
Notifying transport companies and hotels in case of delays
Additional cover cancellation costs
If the business trip does not take place due to cancellation of the business appointment by the business partner
2000.–

BUSINESS

Cancellation costs
When the business trip does not take place (sickness, accident, death etc.)
20 000.–
Flight delay
Assumption of additional costs when a connecting flight is missed
1000.–
SOS-protection/crisis cover/medical assistance
Transport to the hospital
Repatriation to place of residence
Transportation to home country in case of death
Search and rescue costs
Bedside visits by relatives (max. 2 people)

Additional costs for unscheduled return

Travel costs for stand-in employees

unlimited
unlimited
unlimited
50 000.–
costs actually incurred
business class flight
business class flight
Medical and hospital expenses worldwide
Additional insurance for treatment costs abroad

2 000 000.–
Personal accident cover
In case of death
In case of disability

200 000.–
400 000.–
Excess guarantee for hired vehicles
Excess cover for claims under comprehensive or theft insurance

5 000.–
Baggage
Theft, damage and loss
Late delivery

10 000.–
2000.–
Business travel legal protection
Legal protection abroad

250 000.–
Business travel third-party liability
Third-party liability abroad

2 000 000.–
Free services
Round-the-clock service/365 days a year
Medical information service
Financial advance in the event of loss or theft of currency abroad
Online information portal for travel, country, safety and medical information
Organising the blocking of mobile telephones, credit and account cards
Notifying family members in an emergency
Administrative referral to an embassy or attorney in an emergency
Notifying transport companies and hotels in case of delays
Additional cover cancellation costs
If the business trip does not take place due to cancellation of the business appointment by the business partner
2000.–

PREMIUM

Cancellation costs
When the business trip does not take place (sickness, accident, death etc.)
60 000.–
Flight delay
Assumption of additional costs when a connecting flight is missed
2000.–
SOS-protection/crisis cover/medical assistance
Transport to the hospital
Repatriation to place of residence
Transportation to home country in case of death
Search and rescue costs
Bedside visits by relatives (max. 2 people)

Additional costs for unscheduled return

Travel costs for stand-in employees

Burial costs
Extra costs of hospital treatment as an inpatient

unlimited
unlimited
unlimited
50 000.–
costs actually incurred
business class flights
business class flight
10 000.–
100.– per day
Medical and hospital expenses worldwide
Additional insurance for treatment costs abroad

unlimited
Personal accident cover
In case of death
In case of disability

1 000 000.–
2 000 000.–
Excess guarantee for hired vehicles
Excess cover for claims under comprehensive or theft insurance

10 000.–
Baggage
Theft, damage and loss
Late delivery

20 000.–
2000.–
Business travel legal protection
Legal protection abroad

500 000.–
Business travel third-party liability
Third-party liability abroad

5 000 000.–
Free services
Round-the-clock service/365 days a year
Medical information service
Financial advance in the event of loss or theft of currency abroad
Online information portal for travel, country, safety and medical information
Organising the blocking of mobile telephones, credit and account cards
Notifying family members in an emergency
Administrative referral to an embassy or attorney in an emergency
Notifying transport companies and hotels in case of delays
Additional cover cancellation costs
If the business trip does not take place due to cancellation of the business appointment by the business partner
2000.–

Validity and legal notice

So that you do not have to bother with your travel insurance every year, all our annual policies are automatically renewed for a further year unless they are cancelled at least three months before expiry.

Maximum sums insured and premiums in CHF. All premiums include Swiss stamp duty. Conditions as of April 2016. We reserve the right to amend services and premiums at any time.

Remain binding the General conditions of insurance (GCI) E488 04/2016.

Corporate Travel Insurance

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