Yes, the definition of insured persons is broadly framed. Anyone who is engaging in business travel on behalf of the insurance holder and/or at the insurance holder’s expense is covered. As a result, it does not matter whether the covered persons are engaged through a service contract or in a full employment relationship.
No, it is not necessary to specify names, announce trips or anything of the kind. The main advantage of Corporate Travel Insurance (CTI) is the low administrative burden on your company. Every employee is automatically insured. The actual number of travel days need only be reported at the end of the insurance year.
No, any additional days do not have to be reported during the year. You only have to report the actual number of travel days at the end of the insurance year. An immediate notification is required only if a travelling employee exceeds the maximum travel duration per trip (90 or 180 days, depending on agreement).
It is important to note whether the insurance also applies to business trips and whether the risk of work-related manual labour is also covered. The insurance coverage for luggage should be checked to determine whether business-related luggage is also covered. In principle, companies are liable for nearly all risks encountered by employees on business trips. Employers must therefore take appropriate measures.
The physicians at the emergency call centre consult with the physicians on site regarding suitability for transport and the means of conveyance. In all cases, the insured has a right to return transport after 3 days in hospital. In practice, we bring our patients back to Austria or their homeland as quickly as possible.
Because business trips abroad are no rarity for some employees of the construction company S., the company has maintained a Corporate Travel Insurance (CTI) policy with Europäische Reiseversicherung for years. more ...