Business Travel Insurance

WHAT DOES BUSINESS TRAVEL INSURANCE OFFER?

Our Business travel insurance offers comprehensive travel insurance to cover most countries around the world for travellers on business.

You can choose between policies that cover you if you are performing manual labour or without manual labour. Note that policies that cover you for manual labour have a higher premium because the nature of the work has more risks attached.

Highlights of this cover is protection for legal expenses and personal liability. The level of cover for emergency medical evacuation is high with 100 million rand cover.

WHO WOULD SELECT BUSINESS TRAVEL INSURANCE COVER?

Our products are designed according to:

the country you are travelling to,
type of travel (Business or Leisure)
age group

If you are travelling to a broad spectrum of countries in different continents for business purposes this is the most comprehensive travel insurance cover we offer. You should be below 70 years of age.

Including or Excluding Manual labour:

Business journey excluding manual labour

The journey is primarily for business travel eg attend meetings, conferences, courses, visting suppliers, administrative capacity

Business journey for Expatriates (expat), including manual labour

An expat is an individual living and working in a country other than the country of citizenship
The journey is primarily for employment including manual work.

MEANING OF MANUAL LABOUR

Unskilled, semi-skilled and/or skilled physical labour involving working with the hands and/or operation of mechanical and/or non-mechanical and/or machinery and/or equipment and/or tools.

ANNUAL MULTI-TRIP (AMT)

Consider purchasing an Annual Multi-Trip Plan for greater value and convenience if you travel frequently. The annual multi-trip gives you:

Cover for an unlimited number of overseas trips within the policy year for trips less than 90 (ninety) consecutive days each
Immediate coverage when you travel, without the hassle of purchasing insurance cover each time

BUSINESS PLAN EXCLUSIVE BENEFIT – ALTERNATIVE EMPLOYEE AND RESUMPTION OF ASSIGNMENT

If an insured person suffers an unexpected death, injury, sickness, or return to South Africa for a family member who has died or is dying whilst on an international Journey during the insurance period resulting in repatriation to South Africa. We will pay the necessary and reasonable costs up to the amount shown on the Schedule of Benefits for either:

Alternative Employee: Sending a replacement employee to complete the assignment or business activities of the insured person; or
Resumption of Assignment: The necessary and reasonable costs for returning the insured person to recommence their business activities or assignment within 90 (ninety) days of returning to South Africa.

WHY PURCHASE THE EXCESS WAIVER OPTION

This is a unique benefit in the market and waivers the following when purchased as an optional:
1. Waive the monetary excess and waiting period as shown on the Schedule of Benefits.
2. Pre-Existing Medical Conditions for hospitalisation waived to an overnight stay instead of the 48 hours waiting period.
3. Waive the following specific conditions under these sections:
4. Cancellation for Any Reason: You must cancel Your Journey within 48 (forty-eight) hours or more before Your scheduled Journey departure.
5. Missed Connection Condition: You must allow 3 (three) hours or more between Your original scheduled arrival time and the scheduled departure time of Your connecting Public Transport Carrier

Help and Advice

If you need advice or help in deciding if Business travel insurance is the most suitable product to buy online click here or contact us.

When you purchase your travel insurance policy, you will receive the policy terms and conditions and a policy certificate (outlining the benefit and limit of liability), however, if you not receive the policy documentation, please contact our assistance service.

It is easy to buy your travel insurance online. You may use a valid credit or debit card. We use a secured gateway payment via Nedbank Iveri which is safe and trustworthy.

Emergency Assistance Service is operated by International Medical Rescue, in the event of any illness, injury, accident or hospitalization which requires Inpatient and Outpatient treatment anywhere in the world, you must contact IMR at +27 (0) 10 2116981 or email assist24@africa-assist.co.za.

Understand your policy wording

See the schedule of benefits summary by clicking on the “View Benefits” tab at the top of the page. Each section is explained providing what is covered and what is not covered and the conditions applicable. For your convenience we have provide short pop-up explanations of what the schedule of benefit means with a read more link if you would like to read more detail. It is important to read through the policy wording and familiarize yourself with the terms, conditions and exclusions.

View Benefits

Policy Terms