Our Business travel insurance offers comprehensive travel insurance to cover most countries around the world for travellers on business.
You can choose between policies that cover you if you are performing manual labour or without manual labour. Note that policies that cover you for manual labour have a higher premium because the nature of the work has more risks attached.
Highlights of this cover is protection for legal expenses and personal liability. The level of cover for emergency medical evacuation is high with 100 million rand cover.
Our products are designed according to:
If you are travelling to a broad spectrum of countries in different continents for business purposes this is the most comprehensive travel insurance cover we offer. You should be below 70 years of age.
If you plan to go skiing or play golf consider adding one of our top up covers for a little bit extra (See below).
You should consider topping up your business travel insurance cover with Business protection to protect business equipment.
For a small premium you can top up our Business travel insurance. This will give you extra protection as detailed in the schedule of benefits.
We will pay you up to the amount shown in the schedule of benefits for accidental loss, theft of or damage to your business equipment. The maximum we will pay for any Single Item; Computer equipment or business sample is shown in the schedule of benefits.
This cover also includes:
Cover for the accidental loss, theft of or damage to your ski equipment, or for ski equipment that you have hired. The amount payable will be the value at today’s prices less a deduction for wear tear and depreciation. The maximum we will pay for any one article, pair or set of articles is shown in the schedule of benefits. This cover includes:
If you need advice or help in deciding if Business travel insurance is the most suitable product to buy online click here or contact us.
When you purchase your travel insurance policy, you will receive the policy terms and conditions and a policy certificate (outlining the benefit and limit of liability), however, if you not receive the policy documentation, please contact our assistance service.
It is easy to buy your travel insurance online. You may use a valid credit or debit card. We use a secured gateway payment via Nedbank Iveri which is safe and trustworthy.
Emergency Assistance Service is operated by International Medical Rescue, in the event of any illness, injury, accident or hospitalization which requires Inpatient and Outpatient treatment anywhere in the world, you must contact IMR at +27 (0) 10 2116981 or email assist24@africa-assist.co.za.
See the schedule of benefits summary by clicking on the “View Benefits” tab at the top of the page. Each section is explained providing what is covered and what is not covered and the conditions applicable. For your convenience we provide short pop-up explanations of what the schedule of benefit means with a read more link if you would like to read more detail. It is important to read through the policy wording and familiarize yourself with the terms, conditions and exclusions.
Maximum Age Limit | 70 yrs Old |
Duration of Stay | 180 days |
SECTION A
We will pay you up to the amount shown in the schedule of benefits for your proportion only of any irrecoverable unused travel and accommodation costs and other prepaid charges which you have paid or are contracted to pay, together with your proportion only of any reasonable additional travel expenses incurred if: Read more |
CANCELLATION AND CURTAILMENT |
Trip Cancellation
We will pay you up to the amount shown in the schedule of benefits for your proportion only of any irrecoverable unused travel and accommodation costs and other prepaid charges which you have paid or are contracted to pay, together with your proportion only of any reasonable additional travel expenses incurred if: Read more |
R 50,000 |
Trip Curtailment
We will pay you up to the amount shown in the schedule of benefits for your proportion only of any irrecoverable unused travel and accommodation costs and other prepaid charges which you have paid or are contracted to pay, together with your proportion only of any reasonable additional travel expenses incurred if: Read more |
R 50,000 |
Cancellation for any reason
We will pay you up to the amount shown in the schedule of benefits up to 50% of the actual costs incurred as a result of the cancellation if you cancel your trip for other reason not shown in section A1 Read more |
R 20,000 |
Denied Visa Application | R 20,000 |
Travel Supplier Insolvency
We will pay you up to the amount shown in the schedule of benefits for your proportion only of any irrecoverable unused travel and accommodation costs and other prepaid charges which you have paid or are contracted to pay, together with your proportion only of any reasonable additional travel expenses incurred if your trip is cancelled prior to departure or the additional costs for you to return to your home country if your trip is curtailed, as a direct result of insolvency of the Travel Supplier through whom you booked and purchased your travel arrangements, resulting in the complete cessation of services and if no alternative Travel Arrangements is provided. ....Read More |
R 25,000 |
Postponement
We will reimburse You up to the Limit of Liability as shown on the Schedule of Benefits for the published penalties additional accommodation costs (three star accommodation and economy class travel expenses) if You have to postpone Your International Journey due to the following reasons only: ....Read More |
R 6,000 |
Terrorism
We will pay you up to the amount shown in the summary of cover for the unused portion of your travel and accommodation costs that you have paid or contracted to pay and you suffer a financial loss if you cancel before the start of your trip or you cut your trip short and return home early ....Read More |
R 25,000 |
SECTION B | EMERGENCY MEDICAL AND OTHER EXPENSES |
24 hour Assistance Helpline | Assistance |
Emergency Medical Expenses
We will pay you up to the limit shown in the schedule of benefits for the following expenses which are necessarily incurred during a trip as a result of you suffering unforeseen bodily injury, illness, disease and/or compulsory quarantine: Read More |
R 100,000,000 |
Medical Transportation and Evacuation
We will pay you up to the limit shown in the schedule of benefits for the following expenses which are necessarily incurred during a trip as a result of you suffering unforeseen bodily injury, illness, disease and/or compulsory quarantine Read More |
Actual Cost |
Evacuation and repatriation of mortal remains or funeral expenses
If you die: i) outside your home area, the reasonable additional burial expenses abroad plus the reasonable cost of returning your ashes to your home, or the additional costs of returning your body to your home ....Read More |
Actual Cost |
Coffin Expenses
If you die: i) outside your home area, the reasonable additional burial expenses abroad plus the reasonable cost of returning your ashes to your home, or the additional costs of returning your body to your home ....Read More |
N/A |
Emergency Dental treatment
Emergency dental treatment for the immediate relief of pain (to natural teeth only) incurred outside of your home; ....Read More |
R 3,000 |
Hospital Cash Benefits
We will pay you up to the limit shown in the schedule of benefits for every complete 24 hours you have to stay in hospital as an inpatient or are confined to your accommodation due to your compulsory quarantine or confinement on the orders of a medical practitioner as a result of bodily injury, illness or disease you sustain. Read More |
R650 per 24 hours up to a maximum of R13,000 |
Additional travel and accommodation expenses due to illness
Reasonable additional transport and/or accommodation expenses incurred, up to the standard of your original booking (for example full- or half-board, all inclusive, bed and breakfast, self-catering or room only), if it is medically necessary for you to stay beyond your scheduled return date Read more |
R 4,000 per day Max R20,000 + same class flights |
Compassionate visit overseas
Reasonable cost for a friend or close relative to travel from your country of residence to escort minor children under the age of 18 to your home in your country if you are physically unable to take care of them. If you cannot nominate a person we will select a competent person Read More |
Economy Class Flight |
Pre-Existing Medical Conditions Extension (age < 70)
Pre-existing Medical Conditions (ONLY OPERATIVE IF INDICATED IN THE SCHEDULE) If as a result of a pre-existing medical condition you require medical treatment while on your trip then we will pay for Emergency medical and related expenses up to the limit of liability as stated in your schedule of benefits for the medical expenses and hospitalisation costs. Read more |
R1,000,000 |
Pre-Existing Medical Conditions Extension (age 71 - 80)
Pre-existing Medical Conditions (ONLY OPERATIVE IF INDICATED IN THE SCHEDULE) If as a result of a pre-existing medical condition you require medical treatment while on your trip then we will pay for Emergency medical and related expenses up to the limit of liability as stated in your schedule of benefits for the medical expenses and hospitalisation costs. ....Read More |
N/A |
SECTION C | PERSONAL ACCIDENT |
Personal Accident | R 500,000 |
SECTION D | BAGGAGE LOSS |
Theft or Damage of baggage | R 35,000 |
Baggage single item limit - theft or damage | R 8,750 |
Accidental lost of baggage | R 8,750 |
Baggage single item limit accidental loss | R 2,180 |
Contact lenses , prescription glasses
The limit of cover or contact lenses. ...Read More |
R 1,000 |
Laptop and similar electronic equipment | R 5,000 |
Cell phones | R 1,500 |
Baggage Delay
We will also pay you up to the amount as shown in the schedule of benefits for the emergency replacement of clothing, medication and toiletries if your baggage is temporarily lost in transit during the outward journey and not returned to you within 4 hours, as long as we receive written confirmation from the carrier, confirming the number of hours the baggage was delayed. If the loss is permanent we will deduct the amount paid from the final amount to be paid under this section. |
R 6,500 |
Loss of personal money | R 3,250 |
Loss of passport and document | R 3,250 |
SECTION E | TRAVEL INCONVENIENCE |
Travel and Flight Delay | R 5,000 |
Access to Lounge - Dragon Pass | Included |
Travel Delay due to terrorism | R250 each 8 hours delay up to a max of R2,600 |
Missed departure
We will pay you up to the amount as shown in the schedule of benefits for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching your overseas destination if you fail to arrive at the departure point in time to board the public transport on which you are booked to travel for the initial international outbound and return legs only of the trip as a result of: Read More |
R 30,000 |
Missed travel connection
We will pay you up to the amount as shown in the schedule of benefits for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching your overseas destination if your onward connecting Scheduled Flight is missed at the transfer point due to the late arrival of your connecting Scheduled Flight and no alternative onward transportation is made available to you within four (4) hours of the actual arrival time of the incoming flight. Read More |
R 30,000 |
SECTION F | PERSONAL LIABILITY |
Personal Liability
We will pay you up to the amount as shown in the schedule of benefits (including legal costs and expenses) against any amount you become legally liable to pay as compensation for any claim or series of claims against you arising from any one event or source of original cause, during a trip, for accidental: ....Read More |
R 5,000,000 |
SECTION G | LEGAL EXPENSES |
Legal Expenses
We will pay up to the amount as shown in the schedule of benefits for legal costs to pursue a civil action for compensation against someone else who causes you bodily injury, illness or death during your trip. Where there are two or more insured persons insured by this policy, then the maximum amount we will pay for all such claims shall not exceed double the amount shown in the schedule of benefits. ...Read More |
R 300,000 |
SECTION H | HIJACK, HOSTAGE, WRONGFUL DETENTION |
Hijack, Hostage, Wrongful Detention
We will pay you up to the amounts shown in the schedule of benefits for each 24 hours You are detained in the event that the aircraft or sea vessel in which you are travelling as a fare paying passenger is hijacked ....Read More |
R 65,000 |
Hijack, Hostage, Wrongful Detention per day
If you are held hostage or if you are wrongfully detained we will pay the daily benefit. ....Read More |
R 1,300 |
SECTION I | REIMBURSEMENT OF UNIVERSITY/COLLEGE FEES |
Reimbursement of University/College fees
We will pay you up to the amount shown in the Schedule of Benefits for any irrecoverable pre-paid college /university course fees you have paid or are contracted to pay outside your country of residence if: Read More |
N/A |
SECTION J | CAR RENTAL EXCESS WAIVER |
Car rental excess waiver
We will pay you up to the amount shown in the Schedule of Benefits for any excess you have paid on the rental car insurance claim or the cost of repairs to the rental vehicle, whichever is the lesser, if: Read More |
R 10,000 |
TOP UP COVERS | |
BUSINESS EQUIPMENT | |
The loss, damage or theft of business equipment while on a business trip
We will pay you up to the amount shown in the schedule of benefits for accidental loss, theft of or damage to your business equipment. The maximum we will pay for any Single Item; Computer equipment or business sample is shown in the schedule of benefits. ....Read More |
R 10,000 |
The cost to hire replacement business equipment if yours is delayed | R 5,000 |
Travel costs for a business associate to replace you if you are taken ill and have to return home | R 10,000 |
WINTER SPORTS | |
Winter Sports Equipment
We will pay you, up to the amount shown in the schedule of benefits, for the accidental loss of, theft of or damage to your ski equipment, or for ski equipment that you have hired. The amount payable will be the value at today’s prices less a deduction for wear tear and depreciation, (or we may at our option replace, re-instate or repair the lost or damaged ski equipment). The maximum we will pay for any one article, pair or set of articles is shown in the schedule of benefits. ....Read More |
R 6,500 |
Ski Hire
We will pay you, up to the amount shown in the schedule of benefits, for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss of, theft of or damage to or temporary loss in transit for more than 24 hours of your own ski equipment. Read More |
R 650 per day up to R6,500 |
Ski Pack
We will pay You up to the amount shown in the schedule of benefits: 1. For the unused portion of your ski pack (ski school fees, lift passes and hired ski equipment) following your bodily injury or illness. Read More |
R 5,000 |
Piste Closure
We will pay You up to the amount shown in the schedule of benefits: for the unused portion of your lift pass if lost Piste Closure/Avalanche Closure We will pay you, up to the amount shown in the schedule of benefits either for piste closure or for avalanche closure, but not for both, for the cost of transport organized by the tour operator to an alternative site if lack of snow conditions, power failure, adverse weather or avalanche results in the closure of skiing facilities (excluding cross country skiing) in your resort and it is not possible to ski. Read More |
R 300 per day up to R3000 |
Avalanche and Landslide
We will pay You up to the amount shown in the schedule of benefits: for the unused portion of your lift pass if lost Piste Closure/Avalanche Closure We will pay you, up to the amount shown in the schedule of benefits either for piste closure or for avalanche closure, but not for both, for the cost of transport organized by the tour operator to an alternative site if lack of snow conditions, power failure, adverse weather or avalanche results in the closure of skiing facilities (excluding cross country skiing) in your resort and it is not possible to ski. Read More |
R 2,600 |
GOLF EQUIPMENT | |
Golf Equipment
We will pay you up to the amount as shown in the schedule of benefits for loss, theft or damage to your own golf equipment. The amount payable will be the value at today’s prices less a deduction of wear and tear and depreciation, or we may at our option replace, reinstate or repair the lost or damaged golf equipment. The maximum payment for any Single Item is shown in the schedule of benefits. Read More |
R 30,000 |
Golf Equipment hire
We will pay up to the limit as shown in the schedule of benefits for each 24-hour period, up to a maximum as shown in the schedule of benefits, for necessary costs to hire golf equipment. We will pay this if your own golf equipment is lost or stolen on your outward journey and is not returned to you within 12 hours after arrival at your destination. Read More |
R 300 per day up to R3000 |
Green Fees | R 2,600 |