Business Travel Insurance
When your employees travel for work, the public health insurance does not cover them. Therefore, it's important to ensure they are well-covered in case of unforeseen events, so they receive the necessary assistance in the event of illness or injury. A business travel insurance covers costs for treatment, hospitalization, medication, and doctor-prescribed repatriation.
What is a business travel insurance?
Business travel insurance is a policy that covers a company's employees in the event of injury or illness while traveling for work. It typically covers expenses related to doctor visits, hospital exams, medication, lost or damaged luggage, and similar situations, so your employees don't have to worry about these things if the unexpected happens. The coverage in a business travel insurance policy can vary, and you can tailor it to meet your specific needs and preferences.
While it is not mandatory for businesses to have a travel insurance policy, all Danish companies are required by law to have workers' compensation insurance, which covers injuries sustained by employees in connection with their work. However, providing your employees with the reassurance of a comprehensive travel insurance policy for overseas trips can offer them peace of mind.
What does a business travel insurance cover?
Business travel insurance can cover a wide range of situations, depending on the specific policy.
Here are some of the most common coverages:
- Medical Treatment: Coverage for doctor visits, hospital stays, and medication if an employee becomes suddenly ill or injured during the trip.
- Evacuation and Repatriation: Coverage for transportation back home or to the nearest hospital in the event of serious illness or injury.
- 24/7 Assistance Hotline: Ensuring access to high-quality medical care.
- Luggage and Personal Belongings: Compensation for lost, stolen, or damaged luggage and personal items.
- Trip Interruption: Coverage for expenses in the event of trip interruption or cancellation due to unforeseen circumstances.
- Liability Insurance: Protection in case a claim for compensation is made if an employee causes damage to people or property during the trip.
It is always a good idea to carefully review the terms and conditions of the insurance to understand exactly what the travel insurance covers in case the unexpected occurs and you need to use it.
Contact us
As an insurance broker, we are here to help you find the best possible business travel insurance that suits your company's needs. Contact us today for a no-obligation conversation about how we can ensure your employees are covered on their next business trip.
We Often Get These Questions
Business travel insurance is a policy that covers company employees in case of injury or sudden illness during business trips. It typically covers expenses for doctor visits, hospital examinations, medication, lost or damaged luggage, and similar situations.
Business travel insurance typically covers treatments, hospital admissions, medication, repatriation in serious situations, lost or damaged luggage, and similar issues for business trips abroad.
No, it is not mandatory for companies to take out business travel insurance.