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Bupa Global Business travel insurance

Frequently asked questions

Business Travel insurance FAQs

Who can take out a Business Travel insurance?

The Business Travel insurance must be taken out by your company, and it covers all employees travelling in the interest of the company. The insurance has to be taken out on an annual basis, and must be effective for 12 months, as a minimum. The minimum number of travel days per insurance year is 200.

If you are an individual customer travelling for business or if your employees travel less than 200 days a year, we recommend that you instead purchase Bupa Global Travel Single Trip or Annual Multi-Trip insurance, which also covers you for holidays, leisure travel and business trips.

Is there an age limit on the Business Travel insurance?

Yes, the Bupa Global Business Travel insurance cover you up to the age of 80 years at the time of travel.

Who can be covered by the insurance?

The insurance covers all employees travelling in the interest of the company. The insurance can also be extended to include board members, business partners, co-travelling spouses, co-travelling children and guests travelling in the interest of the company.

What is the maximum length of travel on a Business Travel policy?

Our business trip insurance allows you to register a trip up to 365 days.

Where does the Business Travel insurance provide cover?

We cover almost anywhere in the world including the USA, except in the insured’s country of residence. However, we only provide cover in Iraq and Afghanistan if we have pre-approved the risk. Any cover approved will incur an additional premium (i.e. cost more). Travelling to sanctioned countries (Iran, North Korea, Sudan, South Sudan and Syria) also requires pre-approval. Please contact us if you plan to travel to one of these countries.

What is a non-medical travel insurance add-on?

The Non-medical cover is an add-on to the Medical cover, which is for flight delays, luggage delays, theft, personal liability, missed flight connections, security and legal assistance, personal accident, death and disability.

Do you insure companies that do high risk work?

In most cases we are able to offer cover for high risk activities. You are always welcome to contact us for an evaluation of cover.

Will Bupa Global Business Travel cover for leisure trips?

This will depend on the cover your company chooses. The insurance can cover the following trips:

  • • business trips
  • • leisure trips
  • • combined business and leisure trips

Does the Business Travel insurance cover within the insured’s country of residence?

No, our Business Travel insurance does not offer cover in the insured’s country of residence.

Are pre-existing conditions covered on the Business Travel insurance?

If one of your employees suffer from a pre-existing condition before the beginning of the trip, and if the condition has been stable for the last six months prior to each departure, it is covered.

If in doubt, we recommend getting a pre-evaluation of the medical condition in question.

We ask that the insured send us an up-to-date medical report and our application form for pre-existing conditions. Our in-house medical consultants will then determine whether your particular condition is covered or not.

Download the application for cover of pre-existing conditions - residents in the United Kingdom, Mexico, Jersey, Guernsey, Falkland Islands, Isle of Man or Gibraltar (pdf)

Download the application for cover of pre-existing conditions - residents in all other countries (pdf)

Do I have to declare a medical condition?

If there have been no changes in the past 6 months, including changes to your medications you do not have to declare the medical condition. If in doubt, we recommend getting a pre-evaluation of the medical condition in question.

Download the application for cover of pre-existing conditions - residents in the United Kingdom, Mexico, Jersey, Guernsey, Falkland Islands, Isle of Man or Gibraltar (pdf)

Download the application for cover of pre-existing conditions - residents in all other countries (pdf)

How do I administer the policy?

When you take out an insurance with us you will receive personal log-in credentials to our Trip Registration tool which is both easy and flexible to use. On this site you will be able to:

  • • Register trips (before departure date, only name and travel dates are mandatory to insert)
  • • Manage the company travel days
  • • Track days purchased, used, and days left
  • • Modify and cancel trips
  • • Download confirmation letters including insurance card, designed to meet Visa requirements

How does the employee get access to information about the policy?

We have our Bupa Global Travel myCard App - for smartphone and tablet, which provide your employees with a virtual insurance card with cover overview. The advantages of the app include:

  • • 6 different user languages (English, Spanish, Portuguese, German, French, Danish)
  • • Information to medical provider in 53 different languages
  • • Call Bupa Global Assistance directly
  • • Download documents

How is the premium calculated?

The daily premium is based on the total number of travel days purchased in the beginning of the policy year. We can offer you a discount on the daily premium if you decide to buy more than 400 days. The minimum number of travel days required is 200 per year, in total for all your employees.

What if adjustment of travel days is needed during the insurance year?

If you need to buy additional travel days during the policy year, the premium per day will be the same as initially agreed when taking out the insurance.

What if the company do not use all the travel days?

If you buy more than 200 days per insurance year but have not used them all at the end of the insurance year, you may be eligible to transfer your unused days for the next insurance year upon renewal. However, the first 200 days bought in each insurance year are never transferable, and transferred days have to be used within the following insurance year, as they are not transferable again

Can I choose where I want to receive treatment if I need medical attention while travelling?

Yes, you can choose any recognised hospital or treatment facility*, but in order to be guided to your nearest appropriate facility during travel, we recommend that you call our 24-hour medical team,who will help you with this and other medical assistance you may need during travel.

*We are unable to cover the treatment costs for a small number of providers. Please check this list, as it is regularly updated.

Bupa Global Assistance

Contact us 24/7 on :

+45 70 23 24 61

emergency@ihi-bupa.com

How does the insurance work in case of hospitalisation/out-patient treatment?

Hospitalisation - Emergency situations

In case of hospitalisation, Bupa Global Travel must be notified immediately. Our 24-hour emergency service, Bupa Global Assistance, will provide a guarantee of payment to the hospital and settle the bills directly.

Bupa Global Assistance

We are at your disposal 24 hours a day.

+45 70 232461

emergency@ihi-bupa.com

Out-patient treatment – claiming process

Expenses for out-patient treatment, for instance consultations at a doctor or a specialist and prescribed medicines, are paid by the insured directly to the provider and reimbursed by Bupa Global Travel according to the policy conditions upon receipt of a claim submitted on-line.

www.bupaglobal.com/en/travel-insurance/claims

How can I contact Bupa Global Travel?

If you want to purchase Bupa Global Business Travel insurance you can contact our sales department:

+45 70 23 84 48

travelsales@ihi-bupa.com

Service:

You can also contact the Bupa Global Travel Customer Service on weekdays between 9am-5pm (CET) on the following details:

Bupa Global Travel Customer Service

+45 70 23 24 06

travelSRM@ihi-bupa.com

Opening hours: 09:00-17:00 (CET)