Bupa Global
Business Travel Insurance
Customers

If the departure was on 1 September 2020 or on a later date and the trip has been registered in the Trip Registration Tool before the date of departure, the employee will be covered for COVID-19 during the trip.

It is a requirement for COVID-19 medical cover that the employee complies with the safe travel requirements listed above.

Yes, if the departure was on 1 September 2020 or on a later date and the trip has been registered in the Trip Registration Tool before the date of departure, the employee will be covered for medical expenses related to COVID-19 during the trip.

It is a requirement for COVID-19 medical cover that the employee complies with the safe travel requirements listed above.

No, the COVID-19 medical cover will not be valid if the trip was registered in the Trip Registration Tool after the employee left the country of permanent residence.

This will depend on the following:

• • If the employee stays in the airport transit area, the country where the airport is located will not be considered a destination in itself. Therefore the employee will not need to evidence compliance with local COVID-19 guidelines and requirements in order for the COVID-19 medical cover to apply.
• • If the employee leaves the airport transit area, the country where the airport is located will be considered a destination in itself, and the employee will need to evidence compliance with local COVID-19 guidelines and requirements in order for the COVID-19 medical cover to apply.

No, as long as your employee is medically fit to travel, the insurance will not cover any expenses related to the refund of the trip.

This will depend on whether the purpose of the employees trip is classified as non-essential or essential based on the definition used by the relevant public authorities in the country of residence.

If the trip can be classified as essential according to the relevant public authorities in the country of residence, and the employee can document this, the employee will be covered for COVID-19 ex gratia, provided that the employee in all other respects comply with the safe travel requirements listed above.

Documentation for the necessity of travel should include the definition of essential and non-essential travel used by the relevant public authorities in the country of residence, together with relevant documentation for the purpose of the trip. For example (but not limited to):

• • Work contract
• • School enrolment statement
• • Medical report for a critically ill or deceased relative

If the reason for travelling is non-essential according to the relevant public authorities in the country of residence, we cannot offer ex gratia cover for COVID-19 on the trip. However, the insurance will still cover any other acute illness or injury in accordance with the terms and conditions of the policy.

The definition of essential and non-essential travel may vary across countries depending on the guidance issued by the relevant public authorities. Examples of essential travel could include visiting close relatives in connection with critical illness or death as well as travels for business or study purposes. Leisure trips are usually classified as non-essential travel.

Please note that although the authorities of the employee’s country of permanent residence may not have advised against travel to the destination country or region, all countries and regions may uphold their own border restrictions. The employee should therefore check the latest travel information specific for the destination as the situation may evolve. The employee must be able to evidence compliance with local COVID-19 guidelines and requirements in the event of a claim.

To evidence compliance you can submit copies of the travel guidelines stated by the public health authorities of your country of permanent residence as well as those of your destination country/countries (e.g. screenshots from relevant official websites). The documentation must specifically indicate the travel guidelines valid 24 hours before your departure.

Documentation of the employees government’s travel advice can be submitted for example in the form of a screenshot of the official webpage where the following is visible:

• • The date of the screenshot
• • The URL of the webpage
• • The travel advice/classification of the destination country
• • What the classification implies

Documentation for legal entry to the destination country can be submitted in the form of:

• • Entry stamps in passport
• • Entry permit issued by authorities

Documentation for the employees departure having been after the purchase of the insurance can be submitted in the form of:

• • A copy of your airline/bus/train ticket
• • Entry stamps in passport

Yes, you can change the travelling days in the Trip Registration Tool.

This depends on when the trip was booked, the date of registration in the Trip Registration Tool and the date of departure:

• If the trip was registered in the Trip Registration Tool before 14 April 2020 and the trip was booked before 14 April 2020 the cover can be extended, including cover for COVID-19, by extending the travel period in the Trip Registration Tool, also after departure, provided the current insurance period has not expired.

• If the trip was registered in the Trip Registration Tool after 14 April 2020, the trip was booked after 14 April 2020 and the departure date was before 1 September 2020 then COVID-19 will not be covered during the extension period of the insurance.

• If the departure was on 1 September 2020 or on a later date, the cover can be extended, including cover for COVID-19, by extending the travel period in the Trip Registration Tool, also after departure, provided the current insurance period has not expired.

Please note that any illness or injury, which has occurred, or has shown symptoms, or has been diagnosed in the previous travel period(s), will not be covered in the extended travel period unless the extension was made before the illness or injury occurred or had shown symptoms.

No, evacuation is not covered since COVID-19 has already been declared a worldwide pandemic by the World Health Organization

No, this is not covered since COVID-19 has already been declared a worldwide pandemic by the World Health Organization.

Trip Cancellation does not cover COVID-19 for trips booked on or after 14 April 2020. However if the trip was booked and registered in the Trip Registration Tool before 14 April 2020 and provided that the Danish Ministry of Foreign Affairs, the Danish embassy or a similar institution within the EU advises against all travel to the destination of the trip, and if the situation has arisen after registration of the trip, the Trip Cancellation cover will apply.

The insurance does not cover missed flight connections due to COVID-19 if the trip was registered in the Trip Registration Tool on or after 14 April 2020.

However, if the trip was booked and registered in the Trip Registration Tool before 14 April 2020 and the cancellation of the connecting flight results in a travel delay of more than 5 hours, the insurance will cover related expenses (meals, hotel accommodation and local transportation) according to the valid rates. The airline company will be responsible for booking your employee onto another flight to continue the travel.

If the trip was booked on or after 14 April 2020, the Trip Cancellation insurance will not cover cancellations due to COVID-19.

If the trip was booked and registered in the Trip Registration Tool before 14 April 2020, you can use the Trip Cancellation cover provided that the Danish Ministry of Foreign Affairs, the Danish embassy or a similar institution within the EU advises against all travel to the destination of your trip, and provided that the situation has arisen after you purchased the insurance.

Please bear in mind that because of the current COVID-19 situation we’re currently experiencing some delays in responding to your queries. You can also access details of your travel insurance documents through the Bupa Global Travel myCard app which can be downloaded from Google Play and App Store. If you’d prefer to get in touch with us you can find all of the relevant contact details in the table near the top of this page.

We’re sorry but due to the COVID-19 situation, we’re experiencing delays in responding to your queries. If you’ve sent a claim, or contacted us via email, we’d like to reassure you that there’s no need to send a follow up message. We’re working through our backlog and will get back to you as soon as we can. If you need to speak to us in an emergency, or if you want to submit a claim, you can find all of the relevant contact details in the table near the top of this page.

We recommend that due to the current COVID-19 situation that you that you pay by credit card via pay your premium or contact the Service Relationship Team by email at travelsrm@ihi-bupa.com.

Please contact your Service Team, you can find the relevant contact details in the table near the top of this page.

You can download this from Trip Registration or contact travelsrm@ihi-bupa.com for any special versions.

Submitting a claim is easy. Just scan your bills and corresponding receipts before attaching the documents to the online form. The document* format must be jpg, pdf, tiff or gif, and the maximum size per file is 10mb.

*Please make sure your scanned documents are clear. If we can’t read them, we’ll need to contact you for better versions, which will delay the claim process.

The World Health Organisation (WHO) recommends that travellers who are sick, elderly or have pre-existing health conditions should avoid travelling to areas affected by COVID-19.

If you’re returning from a country affected by COVID-19, the WHO recommends monitoring your symptoms carefully for 14 days and following the national guidance for the country you’re in now. This should be available online, for example on the government website for the country you are in. If you have symptoms, such as a fever, cough or difficulty breathing, please follow the national guidance for the country you're in now as you may be required to self-isolate. Some countries may require all travellers coming from certain areas to enter quarantine and some countries are currently advising against all foreign travel and introducing travel bans from some countries.

We’re sorry we haven’t been able to help. If you have a question that we haven’t answered here please email us and we can advise you. You can find all the relevant contact details in the table near the top of the page.