Business travel insurance for South Africans

Business Travel Insurance for South Africans

Up to R100 million in emergency medical assistance
Protection in case your visa is denied
Protection if your travel supplier goes bust
Car Rental Excess Waiver
Free pass to airport lounge in case of flight delay

What does Business travel insurance offer?

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.

Who would select Business travel insurance cover?

Our products are designed according to:

the country you are travelling to,
type of travel (Business or Leisure)
age group

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.

Top Up Cover

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.

Business Equipment Protection

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:

The cost to hire replacement business equipment if yours is delayed
Travel costs for a business associate to replace you if you are taken ill and have to return home
See detailed terms and conditions

Winter Sports Top up

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:

Cover for the unused portion of your ski pack (ski school fees, lift passes and hired ski equipment) following your bodily injury or illness.
The 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.
Cover either for piste closure or for avalanche closure, but not for both. This includes the cost of transport organized by the tour operator to an alternative site should it not be possible to ski. See detailed terms and conditions.

Help and Advice

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.

Understand your policy wording

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.

Europe

Maximum Age Limit You have to be under 70 to qualify for this policy.	70 yrs Old
Duration of Stay The maximum number of days this policy will cover you for	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 ....Read More	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 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:	EMERGENCY MEDICAL AND OTHER EXPENSES
24 hour Assistance Helpline We have 24 hour helpline which you can call for assistance in case of any mishap or emergency.	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 Genric will provide you with the relevant details of diplomatic representatives wherever possible.	R 500,000
SECTION D	BAGGAGE LOSS
Theft or Damage of baggage The limit of the amount we will pay on lost, stolen or damaged baggage	R 35,000
Baggage single item limit - theft or damage A single item limit applies as per the schedule of benefits. You are advised to insure any valuable items exceeding this single item limit on a separate All Risks policy.	R 8,750
Accidental lost of baggage All claims for accidentally loss are subject to the limit for Accidental Loss specified in the Schedule of Benefits. An affidavit must be supplied outlining the events that took place when the loss occurred.	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 The limits of cover for these items.	R 5,000
Cell phones The limit of cover for 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 The limits of what you are covered for for 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 We will pay up to the amount shown in the schedule of benefits to include any one of the following Optional covers if shown on your certificate of insurance subject to you having paid the appropriate premium.
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 The cost of sending a replacement colleague should you 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