Corporate Travel Insurance
Does your travel insurer also reimburse when you are on a business trip?
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.
Your Advantages
- 24-hour Emergency Hotline -worldwide
- Medical assistance
- Support in difficult situations
- Travel information before and during the trip
- Insurance confirmations for visa
from CHF 150.-
Three bundles for SMEs
Cancellation costs
When the business trip does not take place (sickness, accident, death etc.)
Flight delay
Assumption of additional costs when a connecting flight is missed
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
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
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
Cancellation costs
When the business trip does not take place (sickness, accident, death etc.)
Flight delay
Assumption of additional costs when a connecting flight is missed
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
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
Baggage
| Theft, damage and loss | CHF 10'000.- |
| Late delivery | CHF 2'000.- |
Business travel legal protection
Legal protection abroad
Business travel third-party liability
Third-party liability abroad
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
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 | |||
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.
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. Business travel insurance (CTI) prospectus[https://www.erv.ch/files/en/business-travel-insurance-CTI-prospectus.pdf]PDF, 803.7 KB Business travel insurance (CTI) benefits overview[https://www.erv.ch/files/en/business-travel-insurance-CTI-benefits-overview.pdf]PDF, 174.5 KB Business travel insurance (CTI) GCI E488 04-2016[https://www.erv.ch/files/en/gci/business-travel-insurance-CTI-GCI-E488-2016.pdf]PDF, 271.8 KB