The business world is increasingly competitive, and globalization has led to an unprecedented opening of borders to international collaborations and partnerships. Thus, business travel has become a reality in the current context and is part of the professional life of many people.
Business trips have different purposes – either to meet with customers or suppliers, or to participate in various training courses, symposia, or to represent the company at fairs or exhibitions. Regardless of its purpose, the safety of your employees while traveling abroad is an essential factor for the smooth running of your company.
With Groupama Group Travel Insurance, you will be able to provide the necessary support to your own employees or collaborators in case of unwanted events during business trips.
Travel health insurance means financial support if during the trip the employee is injured and arrives at the hospital, is diagnosed with Covid19 or faces other unfortunate scenarios that come with considerable costs.
What are the risks covered by travel insurance?
Depending on the chosen package, you can offer your employee coverage for various risks, from injury and illness, to flight cancellation compensation, lost luggage and even events associated with the pandemic. You can choose several types of optional coverage, depending on your needs, and the duration of the insurance can be from 3 to 365 days.
In general, basic packages provide coverage for:
- Emergency medical care
- Medical chat
- Diagnostic and treatment procedures
- Emergency dental treatment
- Additional expenses in case of hospitalization
- Injury – death and total permanent disability
- Medical repatriation
- Funeral repatriation
- Secured documents
- Liability insurance
You can add to the basic packages additional coverage for:
- Cancellation of the trip
- Interrupt or extend the trip
- Seasonal sports: water skiing, surfing, rafting, kayaking, scuba diving, cycling, mountaineering, skiing, snowboarding and other sports
- Air travel: lost luggage, delay or cancellation
Groupama Asigurări guarantees coverage for Covid19 events and offers a number of additional options:
Additional travel cancellation insurance (STORNO)
A travel cancellation insurance is the option that allows you to recover the money in case you booked the trip, and your employee is diagnosed with Codiv19 and can no longer leave the country. The additional cancellation insurance can be included in the policy if you end it at least 3 days before departure and the trip lasts at least 3 days.
- Covers trip cancellation if the employee is diagnosed with Covid19.
- Does not cover cases of isolation or quarantine leading to trip cancellation.
- It does not cover other situations of cancellation of the trip related to the will of the employee and / or situations imposed by travel restrictions, cancellations of events abroad.
Additional Travel Interruption / Extension Insurance is the option that covers costs if the employee becomes infected with Covid19 even while traveling to another country, thus reaching the situation where quarantine is required – accommodation / food, telephone, plane ticket (difference or full) and / or is hospitalized abroad.
Starting in June, Groupama also offers the Ask MedicalMedic chat service, an innovative telemedicine service solution, through which Groupama customers benefit from medical advice, in the form of micro-consultations, offered by licensed real doctors, via WhatsApp, Messenger, Telegram or SMS.
The service is offered in partnership with Abi Global Health, one of the pioneers of micro-consultation and medical referral services, and can be used by Groupama customers being automatically included in the basic travel insurance package (abroad and in Romania).
Benefits of the service:
- SIMPLE and FAST – The role of the service is to provide access to a doctor whose professional response will help you make the best decision on the next steps. The service is available 24 hours a day, at any time of the day, every day of the year, and the average response time is 15 minutes.
- QUALITY – The service is provided by accredited doctors, both generalists and specialists (eg pediatrics, internal medicine, etc.).
- SECURITY – All information is encrypted and stored in a secure environment.
Challenges and difficult moments are part of any entrepreneur’s path – you can’t avoid them and you can’t predict them, but you can provide them with the right policy. We hope this material has helped you discover it and better understand what it can do for you.
Step into insured travel and ask for an offer. Write to us at relatii.clienti@groupama.ro or directly on the website https://www.groupama.ro/contact or choose the Groupama network of agencies and collaborators.