Business Travel Accident is designed for companies where numerous employees make overseas trips, each trip lasting for not more than 6 months. The employees get covered for Accident & Sickness Medical Expenses, Medical Evacuation, Baggage Loss or Delay, even Loss of Passport and a host of other relevant benefits. This is backed up by effective claims and assistance services across the world by two of the most proficient Assistance companies - AIG Assist and International SOS.
Each BTA policy is for an entire year. During this year, all single overseas trips (not exceeding 180 days) made by each and any employee is covered. The travel days and premium are adjusted according to actual number of days used.
Coverage in US$ |
Gold ($250,000) |
Platinum ($500,000) |
Accident and Sickness Medical Expenses Reimbursement |
$250,000 |
$500,000 |
Accidental Death and Dismemberment Benefit(24 Hrs) |
$15,000 |
$25,000 |
Accidental Death and Dismemberment Benefit(Common Carrier) |
$5,000 |
$5,000 |
Sickness Dental Relief |
$500 |
$1000 |
Emergency Medical Evacuation |
Included under Accident and Sickness Medical Expenses Reimbursement |
Included under Accident and Sickness Medical Expenses Reimbursement |
Repatriation of Remains |
Included under Accident and Sickness Medical Expenses Reimbursement |
Included under Accident and Sickness Medical Expenses Reimbursement |
Baggage Delay Benefit (After first 12 hrs Only) |
$100 |
$200 |
Checked Baggage Loss Benefit |
$1,000 |
$1,000 |
Loss of Passport |
$250 |
$250 |
Personal Liability |
$200,000 |
$200,000 |
Flight Delay |
$10 per 12 hours & maximum $100 |
$10 per 12 hours & maximum $100 |
Hijack |
$100 per day & maximum $500 |
$100 per day & maximum $500 |
Home Burglary |
Rs. 2 Lakhs |
Rs. 2 Lakhs |
Emergency Cash Advance |
$1,000 |
$1,500 |
Fraudulent Charges (Payment Card Security) |
$1,000 |
$2,000 |
Trip Cancellation |
$750 (Deductible $75) |
$1000 (Deductible $100) |
Trip Curtailment |
$750 (Deductible $75) |
$1000 (Deductible $100) |
Missed Connection / Missed Departure |
$750 (Deductible 75) |
$1000 (Deductible 100) |
Bounced Hotel / Airline booking |
$750 (Deductible 75) |
$1000 (Deductible 100) |