The insurance covers the first 42 days of every business trip during the agreed insurance period.
A business trip is deemed to be:
- the company-ordered temporary absence of the insured employee from their place of residence or regular place of work
- the temporary professional absence of the self-employed entrepreneur/managing director/board of directors from their place of residence or place of regular work
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 work activity are not deemed to be business trips.
Field work is defined as work performed by the employee predominantly outside the company's registered office. In particular, this includes activities as sales staff, customer service staff, technical service staff, construction workers, lorry drivers, chauffeurs in passenger transport, who mainly perform their activities outside the company's registered office. For these people, please select the tariff “ persons involved in field service activity” under “Variant Single: Certain employees (names required)”.
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.