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Business travel

Travel insurance for employees

Annual Business Travel-Cover Standard

Download: Information and Insurance Conditions

Here you will find the legally standardized Insurance Product Information Document (IPID) as stand alone document as well as the Complete information document (including the IPID, coverage description with terms and conditions and information regarding data usage, right of withdrawal and complaints procedure).

Overview of benefits

  • travel cover (e.g. medical services abroad, return transport, luggage)
  • for the first 42 days of each business trip
  • worldwide cover
  • automatic cover from the time the employee leaves the normal place of work
  • includes cover for business luggage
  • includes cover for professionally necessary manual activity
  • better value than individual policies
  • high level of cover, no excess
  • premium payments can be claimed against tax as operating expenses
  • choice between single and flat rate

What Europäische covers

Mr M travels to China as an employee of a staff recruitment agency. Suddenly he suffers an epileptic fit, and is immediately taken to hospital, where the necessary medical procedures are carried out. He has to stay in hospital for observation for 3 days. Europäische Reiseversicherung pays the costs of treatment, the costs of return transport with accompanying doctor, and the costs of the local ground ambulance, a total of 23,326 Euros.
572 Euros is reimbursed by the social insurance.

Calculate premium & purchase online

Frequently asked questions

How long does the insurance cover apply?

The insurance period is one year. Unless notice of termination is given by one of the contracting partners not later than one month before the expiry of the insurance agreement, the agreement is renewed for a further year.

My stay in hospital abroad lasts longer than the originally planned trip – how long does my insurance cover apply?

If you unexpectedly become ill during an insured business trip, we reimburse the treatment costs (even if the originally planned end of your trip is already past) until such time as we can transport you back to Austria, for a maximum of 90 days following the occurrence of the insured event.

What confirmation do I receive if I take out insurance online?

If you apply for Annual Business Travel-Cover Standard via our Internet site, a confirmation of your application will be displayed immediately. You will also receive this confirmation by email within the following few minutes. Following positive processing of your application, in the next few days you will receive by post your insurance policy with scope of benefits, conditions of insurance and emergency card.

Where and when does the insurance cover apply?

The insurance cover applies worldwide. The insurance covers max. the first 42 days of each business trip.

A business trip is deemed to be:

  • emporary professional absence of the insured employee upon the instruction of the policyholder;
  • temporary professional absence of the independent contractor, managing director or management board member
  • from his place of residence or place where his normal workplace is situated.

Leisure activities undertaken during the business trip are included in the cover. Work-free days which are appended directly before or during or after the business trip at the same place are deemed to be a co-insured part of the business trip, provided the costs in respect of the extended stay and the premature/delayed arrival/departure are entirely paid by the policyholder.

Work journeys by vehicle or on foot at the place of residence, the place where the normal workplace is situated, and between these places or in the context of field service activity are not deemed to be business trips.

The insurance cover begins with the leaving of the town of residence or of the place where the normal workplace is situated, and ends with the return to such place, the prior expiry of the insurance or when the maximum insured duration of travel has been attained.

Who can be insured?

Depending on the tariff the following persons can be insured:

  • Single:
    applies for certain employees of a company (names required; max. 7 persons per policy)
  • Flat rate:
    applies for all employees of a company (no names required)
    Please note the maximum permitted number of employees and travel days.

* Companies with more than 60 employees or 750 travel days per year can be insured within Corporate Travel Insurance (CTI) of Europäische Reiseversicherung.

It is a precondition for cover that the company (a natural person or a legal entity) has the registered office in Austria.


What to do in case of emergency

Don't worry, we've made it as simple as possible. Make your claim online or download the relevant form - fast and without bureaucracy.

24/7 EMERGENCY CALL: +43 1 50 444 00



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