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Assistance for business customers
Business travel insurance: protection for employers and employees
Comprehensive protection – at home in Switzerland and worldwide: travel insurance provides financial peace of mind for companies. Immediate assistance is provided worldwide in the event of last-minute changes to bookings, cancellations or if the company car breaks down.
Helvetia’s services at a glance
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Insurance protection for business trips
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24-hour SOS hotline
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Insurance protection for rental and company vehicles
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Support in the event of account and mobile phone misuse
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Fast and reliable claims handling
Why is business travel insurance advisable?
If employees are unable to make a business trip due to illness or an emergency, the company takes a big financial hit. Business travel insurance offers employers protection against financial losses and supports employees while travelling.
A brief guide to Assistance
What costs does cancellation insurance cover?
Cancellation costs before the business trip
- Costs due to cancelling or delaying a business trip
- Reimbursement of services not used due to delayed start to the trip
- Ticket costs for attending events
Personal assistance during the business trip (including commuting)
- Costs of searching for persons, rescue and recovery
- Costs of transport to hospital and repatriation
- Advance of costs for medical assistance and vital medicines abroad
- Costs of trip to visit a hospital inpatient abroad
- Costs of repatriation of the deceased person and funeral costs at the place of residence
- Shipping costs for sending on vital medicines
- Additional costs of accommodation and food
- Additional transport costs for the return journey or continuation of the business trip
- Additional expenditures for dispatching a replacement employee
- Necessary follow-up costs
Vehicle assistance for company cars and rental vehicles
- Costs of assistance in the event of a breakdown or accident, such as recovery, towing and storage charges
- Costs of the journey to the vehicle's location, if made independently, and costs of rental cars
- Additional costs of food and accommodation during repair
- Additional transport costs for the return journey or continuation of the business trip
- Repair and replacement costs included in the rental insurance deductible and costs not paid by the insurance for the rental car
The insurance also covers
- Luggage in the event of loss or damage
- Costs of improper use of accounts or mobile phones by third parties
Who should take out business travel insurance?
Assistance is recommended for all employees who frequently travel abroad or attend trade shows on business.
In what situations does business travel insurance pay out?
Bodily injury
In the event of serious illness, serious accident or death, the travel insurance provides comprehensive protection, anywhere in the world.
Property damage
If the journey cannot be undertaken due serious property damage to the home address or place of business, the insurance pays the cancellation costs.
Prevented journey
Trips that cannot be made due to natural disasters, epidemics, strike or theft of personal identity papers or credit cards are insured.
Cancellation and delay
If the business trip cannot be made due to flight delays or cancellations and if planes are grounded, insured parties enjoy comprehensive protection. The cover also extends to public transport and vehicles.
Which other products complement travel insurance?
Wie lässt sich die Reiseversicherung sinnvoll kombinieren?For total insurance protection, the business insurance package for SMEs combines various products in a single policy:
