Business Travel Accident - Benefit Highlights


  • Type of Coverage - Provides employer-paid Accidental Death and Dismemberment coverage to employees traveling anywhere for business or business and personal reasons. Programs are available with 24-hour, worldwide coverage for Business and Pleasure, as well as for Business Only.
  • Eligible Employees - Enables clients to cover all employees or specific classes of employees (Executives, Managers or Sales Representatives), while providing a variety of benefits, limits and coverage for each class.
  • Waiting Periods - may apply as determined by the employer prior to receiving benefits usually following 30, 60 or 90 days from the date of hire.
  • Minimum Hours - employees maybe required to work regularly a minimum of 20 to 40 per week as determined by the employer, subject to underwriting approval by the selected carrier
  • Benefit Maximum - may vary up to amounts of $2,500,000 based on the type of plan, number of covered employees and carrier.
  • Guarantee Issue - no medical underwriting and / or related requirements based benefit plans up to pre-determined limits with selected carriers based on the number of covered lives.
  • Benefit Reduction - the amount of coverage or limits maybe reduce at specified ages based on the number of lives with selected carriers.
  • Seat Belt Benefit - Pays a benefit equal to the amount of the AD&D benefit, up to $10,000, to beneficiaries when an employee dies in an automobile accident while wearing a seat belt .
  • Air Bag Benefit - Provides further protection in the event of a covered automobile accident for which the Seat Belt Benefit is payable.
  • Plan Rate - Premium rate maybe Guaranteed from 1 to 3 years.
  • Travel Assist - Provides a broad range of support to your clients' employees who travel 100 or more miles from home with a 24 hour multi-lingual assistance service anywhere in the world. This assistance service may be expanded to include other benefits for medical evacuation, and repatriation.
  • Plan Benefits - May include coverage while traveling on business resulting from injures due toExposure and Disappearance, Felonious Assault, Bomb Scare, Bomb Search and Explosion, Hijacking / Air Piracy.
  • Other Additional Benefits - Extended coverage maybe included for a Spouse / Domestic Partner and Dependent,  Sojourn or Personal Deviation, Accident Medical Expense, Relocation Coverage, Commutation - Strike Coverage, Coma Benefit, Paralysis / Loss of Use, Permanent Total Disability, Common Carrier and War Risk in specified locations.
  • Off-sets - Pays benefits in addition to Workers' Compensation or any other insurance. 
  • Contributions - 100% employer paid with benefits payable to the employee or    beneficiary.   

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