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Comprehensive coverage while travelling on business at home and abroad.

You are responsible for the safety of your employees. According to established case law, your duty of care as employer encompasses safeguarding your employees, especially when travelling on business and therefore outside your sphere of influence, against loss of life and limb and against financial loss. For this, you need targeted business solutions, which guarantee all-round safety. With this in mind, our business travel insurance product Business Class offers a needs-based and effective solution for protecting against the risks of business travel.

Flexible. Individual. Comprehensive.

Our business travel insurance 'Business Class' consists of a comprehensive package that can be tailored to the needs of the respective client.

Basic cover:

  • Business Travel Accident Insurance with freely selectable insured amounts for accidental death, permanent disability and daily hospital benefit
  • Business Travel Health Insurance plus Overseas Assistance

Recommended additional modules:

  • Baggage Insurance for private and business luggage
  • Trip Cancellation/Interruption Insurance
  • Personal Liability Insurance
  • Risk Prevention and Crisis Management
  • Kidnap + Ransom (only in conjunction with Risk Prevention and Crisis Management)


  • 24/7 Service Helpline for employees in case of emergency – accessible worldwide, 365 days a year
  • Travel Smart as integral part of 'Business Class': online solution to help employers better fulfil their duty of care obligations, includes three tools:

Innovative Smartphone-App for direct access to medical and security assistance, including live location-based alerts

Modern pre-travel risk training with short video modules and competency tests for travelling employees

Comprehensive Online-Dashboard for risk and HR managers including tools for localization of employees and sending direct messages

Further Details

The premium of the Business Class travel insurance will be calculated based on risk. The costs depend on the level of insurance cover, number of days travelled, number of persons travelling and on the destinations (Austria, EU or worldwide).

The premium is calculated at a flat rate per employee. In order to prepare an offer, we need the number of employees (per country, if an international program is desired) and if available, as well as information on the number of travel trips (to which regions you are traveling, what is the number of travel days).

Definition of ex-pats - health insurance for travel abroad

  • Ex-patriates are also insured for their trips abroad.
  • The country of expatriation / deployment is explicitly not considered a foreign country.
  • The requirement for insurance cover is the existence of a social insurance or ex-pat health insurance in the country of expatriation or deployment.

The Advantages for You

  • Individual designed coverage tailored to your needs
  • Risk-sensitive premium calculation
  • Qualified implementation of multinational insurance programs
  • Employee loyalty and improved image
  • Planning certainty for all business trips
  • Elimination of your reserves for the medical expenses of employees abroad