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Insurance Article

Ensure a safe, stress-free trip for your employee with an overseas travel policy

March 11 2013

partnership with different foreign enterprises to expand their trade network. With this expansion of business, certain employees are required to visit their foreign partners. However, the employee during an overseas trip may encounter a variety of problems that may disrupt travel plans.

To ensure a smooth, hassle free travel, it is essential that the employer procures a travel policy for employee going abroad on a business trip. This policy is essential as it may not always be possible for the employee to singlehandedly foot any unexpected expanse. Also, medial and non-medical emergencies are likely to leave the employee stranded and panicked in a foreign destination.

Before selecting an overseas travel policy for an employee, it is essential to carefully consider a variety of factors to ensure a stress-free stay. ICICI Lombard offers a special overseas Travel policy that offers numerous benefits to the employee during the course of his stay abroad. This gold plan is easy to purchase as no medical check-up is required. To save time and offer superior convenience to the employer and employee, the online mode of purchase instantly issues an online certificate. This certificate can be directly offered to the employee at work so that last minute hassles of procuring necessary documents are reduced.

The main advantage of this comprehensive plan is the pay per day feature. This means, that the premium for is calculated on a per day basis so that you do not have to pay extra money when your trip is concluded early. This travel policy for employee offers a variety of medical and non-medical benefits.

In case the employee falls ill or suffers injury due to an accident, this insurance policy offers compensation to ease the financial distress. Medical expenses borne due to diagnostic tests, therapies or transportation cost back to India are also covered. The dental treatment cover included in this plan is designed for acute anesthetic treatment which not only eases discomfort but also saves money on expensive dental procedure. If the employee suffers permanent disability due to an accident or dies due to an accident, this insurance plan offers compensation to help reduce the stress of such an unfortunate event.

Cover for Personal Liability included in this insurance offers compensation to the third party if the damage caused by the employee results in injury, death or deformation of property belonging to the third party. Expenses incurred to obtain a duplicate or fresh passport due to passport loss are also covered along with baggage loss and delay.

All these features offered by this special insurance policy makes it a must have for employers when sending employees for an overseas trip.

Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

IRDA Reg. No. 115

Toll Free No: 1800 2666

Job Code: EC012409MI

Product Code: Misc. 129


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