Business travel insurance
International health insurance for business trips abroad

Business travel insurance, also known as business trip insurance, offers important insurance cover for employees who are working abroad, be it for supplier visits, meetings or assembly work. While companies often take precautions against risks such as currency fluctuations and political changes, their employees' cover often remains inadequate.

This insurance covers many risks that are not included in normal international health insurance. There are different types of business travel insurance, which is why a comparison of costs and benefits is crucial.

Employers should ensure that their employees are comprehensively insured abroad, including international health insurance for companies and, if necessary, travel cancellation insurance for business trips. This will ensure the safety and health of employees during their business trips.

Although statutory insurance offers a certain level of basic cover in some countries, this does not usually cover all costs incurred. If a business traveler falls ill abroad or has to be treated for an accident, this often results in high costs, which the patient must initially pay for themselves and is often only partially reimbursed afterwards. Furthermore, statutory insurance outside the EU does not offer any protection. Statutory accident insurance only covers injuries that occur during work-related activities. If the employee has an accident abroad during their free time, they are not covered by accident insurance.

Business travel insurance is required for all persons traveling abroad for business reasons. This includes:

• Business travelers: Employees attending international meetings, conferences or negotiations.
• Technicians and fitters: Specialists who carry out installations or maintenance work on site.
• Sales staff: Employees who visit customers or give product presentations abroad.
• Executives: Managers who regularly travel internationally to make strategic decisions.

Persons resident in the Federal Republic of Germany can take out insurance

• A family is defined as a maximum of 2 adults and a maximum of 7 children up to their 21st birthday. No family relationship or joint residence is required
• Worldwide validity for every business trip abroad up to 56 days in each case
• Worldwide validity for every vacation trip abroad up to 56 days in each case
• Premiums calculated on a daily basis
• Extension possible within the maximum insurance period
• Reimbursement of costs for medically appropriate repatriation
• No deductible
• No age limit
• Reimbursement of overpaid premiums in the event of premature return journey
• Awarded by Stiftung Warentest as test winner issue 05/2019
• The insurance is automatically renewed from year to year unless it is canceled one month before expiry

► Take out travel health insurance now for trips of up to one year

Important: The insurance must be taken out before the start of the trip abroad

* NOTE: DISCLAIMER OF LIABILITY and COPYRIGHT: This brief overview is an abridged version for the sake of clarity and is not exhaustive or binding. Only the written contents of the contract (including the insurance certificates and the insurance terms and conditions) apply. The brief overview is not a substitute for advice. Despite careful editing, no liability can be accepted. Errors excepted.

Yes, the insurance must always be taken out before the start of the trip abroad. Insurance taken out after the start of the trip only applies to future trips.

Yes, in addition to business trips, vacation trips of up to 56 days are also insured - worldwide.

If the return journey cannot be undertaken through no fault of the insured person and the insured person is not fit for transportation, the insurance cover is automatically extended until the return journey.

There is no general age limit. Only adjusted contribution rates apply from the age of 65.

Yes, there is a family tariff: up to 2 adults and up to 7 children (up to their 26th birthday) are insured - regardless of family relationship or joint residence.