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Corporate Travel Insurance

Cover for employees and human capital

Your employees are your capital. You should protect them as good as possible, because a crisis situation on business trips can have far-reaching financial consequences.
Corporate Travel Insurance CTI is a comprehensive package of insurance and services that optimally protects your employees on business travel, covers unpredictable travel- and healing costs, and ensures compliance with your duty of care as an employer.
We also offer short-term insurances during events, congresses or company events for your internal and external employees or guests from abroad.

Your Advantages

  • 24-hour Emergency Hotline -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
  • 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

Extend of coverage and annual premium

Number of days of travel per year Economy Business Premium Additional cover
Individual CHF 150.- CHF 300.- CHF 600.- CHF 200.-
Max. 250 CHF 625.- CHF 1'250.- CHF 2'000.- CHF 500.-
Max. 500 CHF 1'250.- CHF 2'500.- CHF 4'000.- CHF 1'000.-
Max 750 CHF 1'875.- CHF 3'750.- CHF 6'000.- CHF 1'500.-
Max. 1'000 CHF 2'500.- CHF 5'000.- CHF 8'000.- CHF 2'000.-
Max. 1'500 CHF 3'750.- CHF 7'500.- CHF 12'000.- CHF 2'500.-
Max. 2'000 CHF 4'800.- CHF 9'000.- CHF 15'000.- CHF 4'000.-
Max. 2'500 CHF 5'750.- CHF 11'000.- CHF 17'500.- CHF 6'500.-
Over 2'500 Inquire with ERV

Three bundles for SMEs

  • Cancellation costs

    When the business trip does not take place (sickness, accident, death etc.)

    CHF 5'000.-
  • Flight delay

    Assumption of additional costs when a connecting flight is missed

    CHF 500.-
  • SOS-protection/crisis cover/medical assistance

    Transport to the hospital unlimited
    Repatriation to place of residence unlimited
    Transportation to home country in case of death unlimited
    Search and rescue costs CHF 50'000.-
    Bedside visits by relatives (max. 2 people) costs actually incurred
    Additional costs for unscheduled return economy class flight
    Travel costs for stand-in employees economy class flight
  • Medical and hospital expenses worldwide

    Additional insurance for treatment costs abroad

    CHF 500'000.-
  • Personal accident cover

    In case of death CHF 100'000.-
    In case of disability CHF 200'000.-
  • Excess guarantee for hired vehicles

    Excess cover for claims under comprehensive or theft insurance

    CHF 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

    CHF 2'000.-
  • Cancellation costs

    When the business trip does not take place (sickness, accident, death etc.)

    CHF 20'000.-
  • Flight delay

    Assumption of additional costs when a connecting flight is missed

    CHF 1'000.-
  • SOS-protection/crisis cover/medical assistance

    Transport to the hospital unlimited
    Repatriation to place of residence unlimited
    Transportation to home country in case of death unlimited
    Search and rescue costs CHF 50'000.-
    Bedside visits by relatives (max. 2 people) costs actually incurred
    Additional costs for unscheduled return business class flight
    Travel costs for stand-in employees business class flight
  • Medical and hospital expenses worldwide

    Additional insurance for treatment costs abroad

    CHF 2'000'000.-
  • Personal accident cover

    In case of death CHF 200'000.-
    In case of disability CHF 400'000.-
  • Excess guarantee for hired vehicles

    Excess cover for claims under comprehensive or theft insurance

    CHF 5'000.-
  • Baggage

    Theft, damage and loss CHF 10'000.-
    Late delivery CHF 2'000.-
  • Business travel legal protection

    Legal protection abroad

    CHF 250'000.-
  • Business travel third-party liability

    Third-party liability abroad

    CHF 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

    CHF 2'000.-
  • Cancellation costs

    When the business trip does not take place (sickness, accident, death etc.)

    CHF 60'000.-
  • Flight delay

    Assumption of additional costs when a connecting flight is missed

    CHF 2'000.-
  • SOS-protection/crisis cover/medical assistance

    Transport to the hospital unlimited
    Repatriation to place of residence unlimited
    Transportation to home country in case of death unlimited
    Search and rescue costs CHF 50'000.-
    Bedside visits by relatives (max. 2 people) costs actually incurred
    Additional costs for unscheduled return business class flight
    Travel costs for stand-in employees business class flight
    Burial costs CHF 10'000.-
    Extra costs of hospital treatment as an inpatient CHF 100.- per day
  • Medical and hospital expenses worldwide

    Additional insurance for treatment costs abroad

    unlimited
  • Personal accident cover

    In case of death CHF 1'000'000.-
    In case of disability CHF 2'000'000.-
  • Excess guarantee for hired vehicles

    Excess cover for claims under comprehensive or theft insurance

    CHF 10'000.-
  • Baggage

    Theft, damage and loss CHF 20'000.-
    Late delivery CHF 2'000.-
  • Business travel legal protection

    Legal protection abroad

    CHF 500'000.-
  • Business travel third-party liability

    Third-party liability abroad

    CHF 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

    CHF 2'000.-

Further information

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.
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. fileTypeDescriptionVisibleOnPrint
https://www.erv.ch/files/en/business-travel-insurance-CTI-prospectus.pdf

Business travel insurance (CTI) prospectusPDF, 803.7 KB
fileTypeDescriptionVisibleOnPrint
https://www.erv.ch/files/en/business-travel-insurance-CTI-benefits-overview.pdf

Business travel insurance (CTI) benefits overviewPDF, 174.5 KB
fileTypeDescriptionVisibleOnPrint
https://www.erv.ch/files/en/gci/business-travel-insurance-CTI-GCI-E488-2016.pdf

Business travel insurance (CTI) GCI E488 04-2016PDF, 271.8 KB