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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.-

Book now!

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.-

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.
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