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.-
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. 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