Like vacation trips, business trips can take unexpected turns.
Accidents or illness can put both the traveller and the entrepreneur in major and, for them, sometimes unsolvable exceptional situations.
Statistically, every 40th traveller needs service from his or her travel insurance although no one can know in advance if and what will happen to him or her. A medical emergency causes average costs of 50,000 euros, in difficult cases the costs can reach up to 200,000 Euros. These costs abroad on busniess trips must be paid by the employer, if no adequate travel insurance has been chosen for their employees.
Employers are legally responsible (§ 3 and § 4 ASchG, § 130 ASVG) for the safety and health protection of their employees on busniess trips abroad. The duty of care (§ 1157 ABGB) obliges them to provide the employees with adequate medical treatment in accordance with the Austrian standard of medical care and to cover the costs. An SME can therefore be confronted with serious problems due to an accident or illness of an employee on business trips and quickly reach the limits of its liquidity.
The Annual Business Travel+Cover is ideal for SMEs with max. 60 employees and insures the entire workforce on all business trips within one year. Worldwide and immediately after leaving the place of residence or work. For up to 10 employees, the premium is Euro 400 per year and company (Euro 1,460 for up to 40 employees) and is also tax deductible. The business travel insurance can be contracted easily and directly online.
Companies require professional crisis management for global travel activities. This is provided by our partner, Europ Assistance, with its global service network with 39 operations centres and 275 offices in 195 countries and regions for providing rapid and competent help around the clock. Contact is available 24 hours a day in the respective native tongue.
With a business travel insurance, you also benefit from our Reisedoc service.
An Austrian doctor is here to help, simply by clicking on "Reisedoc" in the MEINE URLAUBERIA app – any time, 24/7. Even minor aches and pains can be clarified with a doctor through confidential consultation.
No doctor's visit abroad, no waiting time, no costs. In case of an emergency and if medical treatment is necessary, you will be forwarded directly to the operations center and accompanied until you return home safely.
With the MEINE URLAUBERIA app, travellers can use numerous services for free (service in german only).
By clicking on the "Business" button and then "Spesen", for example, invoices and receipts can be recorded chronologically and supplemented with details that are important for accounting. At the end of the business trip, they can be transferred to the company with a single click. No more paperwork, no more unnecessary bureaucracy with the expense report. Information on business communication, public relations and rhetoric is stored under "Lernen", allowing unproductive travel time to be put to good use. Usable offline and therefore worldwide without fees and also during the flight.
please fill in your policy data, it will be transferred together with your GPS-located address in case of emergency
The shortest connection to our emergency center, works even offline without internet access
Reisedoc, 24/7 connection to Austrian medical advice abroad
Simple and quick claims notification