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Business travel

Multi Travel Insurance Policies for businesses

Corporate Travel Insurance

Can employees of branch offices and subsidiaries be included in the insurance coverage?

Yes, under certain conditions employees of branch offices and subsidiaries can also be included in the insurance contract. Please state your interest in this option when requesting an offer.

Can people employed only on the basis of a service contract be covered?

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.

Is manual labour included in the insurance coverage?

Yes, the insurance coverage also applies to work-related manual labour. This means that installation work, construction work and the like are also covered.

Is it necessary to submit the names and/or trip information and expected duration prior to departing?

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.

The number of travel days is higher than planned – is it necessary to report this?

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).

Doesn’t an employee’s private insurance already cover the risk of a business trip?

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.

Who decides on return transport of the insured?

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.

How are emergency cases handled?

1. Call the emergency hotline
We are here for you 24 hours a day, in German and many other languages

2. Identify the caller and explain the situation
You tell us the policy number or company name, give the names of affected persons and describe the emergency.

3. Assistance is organised immediately
This is guaranteed by a professional emergency call centre with support from Austrian emergency doctors and specialists and a global assistance network.

4. Cost coverage
In emergencies, we make direct payments to the hospital or other service provider.

Can tools and equipment carried by employees on trips also be covered?

Yes, with module D “Travel Luggage Insurance”, business-related and private luggage is insured up to the chosen policy amount.


Request for proposal

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