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Business travel

Multi Travel Insurance Policies for businesses

Annual Business Travel-Cover Standard

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. Please find more information here.

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

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:
- temporary 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.

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.

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.

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.


Calculate premium & purchase online

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



All journeys and holidays on record - even offline without data roaming when abroad!

Direct call to operations centre with automatically generated emergency text message with GPS data.

Creditcard and mobile phone lock instructions, travel warning, checklists and more.

Business travellers - travel expenses via app, documents always available