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Gone are the days when business was limited to any particular country or state. Today there exists no territorial boundary when it comes to business. There are many companies that have crossed international borders to take their business to the world. And there are much more who are making all efforts they can to take their business to a new level. Today, business minded people believe in expanding their reach and spread their wings as far as possible. There are numerous marketing tools and studies that organizations use in order to study market trends. With the help of these studies and research, they get to know where in world lays much potential for their business to grow. With globalization hitting the Indian subcontinent, international boundaries are diminishing. In morning, you could be attending a conference in Las Vegas and you could be discussing business over a cup of tea in London. 
With business organizations constantly working towards making their presence felt worldwide. It also expects its employees to be a part of their vast expansion. Your company could therefore, expect you to travel to any place in the world for business. Whether you travel just once a year or clock up hundreds of hours on the road, it is best to check if your organization covers you against travel and non-travel contingencies through business travel insurance. Business or Corporate Travel Insurance is designed in a way to cover employees against emergency expenses incurred when they are on business trip. Most business organizations make it a point to offer travel insurance to their employees who are traveling for business purposes from one office location to another. By offering travel insurance to its employees who travel for business purposes, a multinational organization shows that it cares for its employees. This in turn makes an employee feel at ease as well as proves to be a building block of a healthy employee employer relationship.
There are a lot of things that can go wrong while a person is traveling. Expenses for medical treatment, emergency evacuation, flight cancellations or lost luggage are just a few of the common costs that companies might face when their employees are on business trips. There is a lot of risk involved when a person is traveling, and it is the duty of an organization to offer travel insurance to all their employees that travel for business purposes.
When a person is traveling, he or she could get caught up in any sort of crisis. It could be either of the world events resulting from political and social unrest. These world events have further increased the risk of business traveling. Thus, for organizations with overseas travel commitments, it is advisable that they should make sure that the corporate travel insurance that they have opted for is appropriate. Furthermore, they also need to analyze the inclusions as well as exclusions of the corporate travel insurance policy being bought. They should also take note of all terms and conditions of the policy as well as see to it that it completely fits their needs.
HDFC Ergo Health (formerly Apollo Munich)’s Corporate Travel Insurance Plans provide comprehensive travel insurance for the employees against almost any mishap that could occur when traveling. The travel insurance policies designed by HDFC Ergo Health (formerly Apollo Munich) offer coverage against most mishaps that can happen with an individual who is on a business trip. The inclusions of a travel insurance policy from HDFC Ergo Health (formerly Apollo Munich) cover medical treatment, dental treatment, repatriation of mortal remains, loss or passport, personal accident, personal liability, hijack daily allowance, total loss of checked baggage, delay of checked-in baggage, financial emergency, trip delay, daily hospital allowance, trip cancellation, trip curtailment and missed connection. All these benefits being offered have been designed so as to benefit the person travelling from one place to another for business purposes. 
HDFC Ergo Health (formerly Apollo Munich) is a joint venture between India’s largest integrated healthcare group, the Apollo Hospitals Group, and Munich Health, Europe’s leading healthcare insurer. This joint venture brings together Apollo Hospital Group’s extensive understanding of healthcare domain and Munich Health’s technical expertise. Together they offer a sound foundation for HDFC Ergo Health Insurance Ltd. (formerly Apollo Munich Health Insurance) as well as leverage their understanding for the benefit of its customers. In addition to this, HDFC Ergo Health (formerly Apollo Munich) operates as a standalone health insurer in India and offers innovative health, accident and travel insurance solutions on a PAN India basis.
HDFC Ergo Health (formerly Apollo Munich) offers numerous plans for travel insurance alone. These plans are of four types, namely, Individual Plan, Family Plan, Senior Citizen Plan and Annual Multi Trip Plan. Each plan is further divided in five main variants. These variants are Platinum, Gold, Silver, Bronze and Asian Region. In addition to this, the range of sum insured differs from one plan to another. Where on one hand, Individual Plan has a sum insured ranging from USD 25,000 to USD 5, 00,000, and on the other, a Family Plan has a sum insured ranging from USD 25,000 to USD 1, 00,000 only. Another major feature of these travel insurance plans is the age group they cover, except Senior Citizen Plan, all other plans cover persons falling in age group of 6 months to 70 years, whereas in Senior Citizen Plan its only for persons falling in age group of 71 to 80 years.
Whether you are looking for single trip insurance or a multi trip/ annual travel policy, HDFC Ergo Health (formerly Apollo Munich)’s travel cover for the employees will suit your requirements. The benefits offered include:
  • Oversee medical emergency expenses
  • Accidental death
  • Disability and loss of income
  • Expenses linked to loss of luggage and travel documents
  • Trip delay and cancellation expenses.
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