Employees with Business travel insurance are covered on all business trips.
- Applies to business trips with a duration of up to 45 days, anywhere in the world
- Can be extended to include business trips with a duration of more than 45 days
- No deductible in the event of damage/injury/loss/illness
Summary of what is covered by this insurance
Covers cancellation costs of up to NOK 40,000 per person/up to NOK 100,000 for family members when a journey has to be cancelled due to acute illness, accidental injuries or death suffered by yourself, your single travelling companion or someone in your or your companion's close family, or when you are unable to travel as a result of a burglary or fire, etc. occurring at your residence, place of business or office and such requires your presence.
Covers the cost of travel and overnight accommodation of up to NOK 1,500 per person - up to NOK 4,000 for family members - when transport organised by the travel operator fails to run as planned as a result of weather conditions, technical faults or a traffic accident involving public transport.
If a delay lasting for at least 2 hours causes you to arrive too late to catch pre-paid transport and such has been caused by weather conditions, technical faults or a traffic accident involving public transport, we will cover the cost of catching up with your planned travel itinerary by up to NOK 20,000 per person and up to NOK 50,000 for family members.
The cost of purchasing essential items of clothing and toilet articles will be covered if your luggage arrives more than four hours late on your outward journey. Up to NOK 3,000 per person for private trips and up to NOK 6,000 per person for business trips.
The cost of any luggage lost or damaged as a result of theft or vandalism, etc. will be covered by up to NOK 30,000 per person/up to NOK 60,000 for family members. Lost money will be covered by up to NOK 3,000 per person/NOK 6,000 for family members, passports and tickets by up to NOK 10,000, valuables by up to NOK 15,000 per person/ NOK 20,000 for family members and any other individual items by up to NOK 10,000 per claim.
In addition to personal luggage, this insurance will also cover any losses/damage to property belonging to employers by up to NOK 15,000.
Travel medical insurance
This covers all expenditure incurred in respect of essential medical treatment for acute illnesses/accidental injuries/death while travelling, as well as additional expenditure incurred in respect of extraordinary home transport. This insurance also covers acute dental problems, interrupted journeys, lost days of holiday, calling out family members and any essential medical companions, as well as additional expenditure incurred as a result of acute illness/accidental injuries suffered by your single travel companion.
Compensation for permanent medical disability and death as a result of accidental injuries occurring on business trips. The normal sum insured is NOK 300,000 in the event of death/disability. After the age of 70 this cover will no longer apply in the event of disability/death, although treatment costs will be covered by up to NOK 5,000 per claim.
Compensation for permanent medical disability and death as a result of accidental injuries occurring at home in Norway or while travelling. For adults the sum insured is normally NOK 300,000 in the event of death/disability, and for children under the age of 21 it is NOK 50,000 in the event of death and up to NOK 500,000 in the event of disability. After the age of 70 this cover will no longer apply in the event of disability/death, although treatment costs will be covered by up to NOK 5,000 per claim.
This insurance covers any legal liability in damages that you, in your capacity as a private individual, might incur while travelling outside your own municipality, in accordance with the current legislation which applies in the individual countries concerned, by up to NOK 6,000,000.
Covers the cost of legal aid if you, in your capacity as a private individual, become involved in a dispute which occurs while travelling outside your own municipality and you require legal aid before the end of your trip, by up to NOK 20,000.