Business travel insurance through Chubb
A business travel policy mainly arranges what health insurance does not pay for and what is specifically excluded under luggage cover: samples, demonstration equipment and trade goods.
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In brief
Basic health insurance pays for treatment abroad up to the tariff applicable in the Netherlands at most. In countries where care is many times more expensive, a considerable difference remains, and repatriation by air ambulance is not included at all. That is the first function of business travel insurance: the excess above the Dutch tariff, plus repatriation, search operations and bringing family out.
The second function is luggage, and that is precisely where things go wrong. Almost every travel policy excludes trade goods, samples and merchandise. If you take demonstration equipment, tools or display material with you, that is not luggage within the meaning of the policy but merchandise. It belongs on a goods in transit insurance or on separate equipment cover. Have the business element named expressly rather than assuming that a laptop and a demonstration case are the same thing.
While travelling, your obligations as an employer continue as normal. The duty of care in Article 7:658 of the Dutch Civil Code applies to work abroad as well, and after a road accident during a business trip you can be liable as the employer for your employee's loss; there is a WEGAS or WEGAM coverfor that. If your staff travel regularly, a continuous version is usually more practical than individual policies; how that is set up is explained under the business travel insurance.
This page deals with one situation. The full overview is on Compare personal liability insurance (AVP).
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We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
What to look out for
Four points that lead to a refusal on business trips more often than the size of the medical bill.
Negative travel advisories
If someone travels to an area with an orange or red travel advisory, many policies exclude cover or restrict it severely. If the advisory is only issued while your employee is already there, separate rules on leaving usually apply. Check the advisory before booking and record that you did so.
Pre-existing conditions and planned treatment
Costs arising from a condition that already existed or from treatment that was already planned are excluded. Pregnancy after a certain stage and trips made precisely in order to undergo treatment also fall outside the cover. For employees with a chronic condition this is a reason to ask about acceptance in advance.
What the traveller does personally
Excluded are accidents during motorised competitions and high-risk sports, injury under the influence of alcohol or drugs, and damage caused by intent or recklessness under Article 7:952 of the Dutch Civil Code. If someone carries out manual work or work with machinery on site, report it: many policies cover only non-physical activities as standard.
Cancellation is a separate module
Cancelling attendance at a trade fair or a conference is not covered automatically. A cancellation module also has a closed list of valid reasons: illness of the traveller, a death in the family or the home becoming uninhabitable. A cancelled project, a client who has pulled out or a changed diary are not among them.
What does your premium depend on?
- Number of travellers and travel days: a continuous policy often works with an estimate per year
- Destinations: travel to the United States and Canada is weighed separately
- Sections chosen: medical expenses, luggage, personal accident and cancellation
- Nature of the work: attending meetings is assessed differently from installation work on site
- Business equipment insured as well: laptops, measuring equipment and tools
- Accompanying partners: and whether a private extension of the trip is insured
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Emergency surgery in the United States costing many times the Dutch tariff | Yes | Yes |
| Repatriation by air ambulance after a heart attack on the way | Yes | Yes |
| A missed connection because of which your employee books an extra night in a hotel | Provided that | Yes |
| A stolen demonstration case with samples taken from the hire car | No | Provided that |
| The week of private time your employee adds on to the trip after the conference | No | Provided that |
| Cancelling a trade fair stand because your client pulled out | No | No |
The case of personal belongings and the case of merchandise travel together, but rarely fall under the same section.
Frequently asked questions
This is what people ask us most.
Is my health insurance not enough on a business trip?
Outside the Netherlands the basic health insurance pays no more than the Dutch tariff for the same treatment. In countries where care is far more expensive, a large difference remains that you or your employee bears yourselves. Repatriation, medical supervision on the return journey and bringing family out are not included either. That is precisely what a travel policy makes good.
Are samples and demonstration equipment insured as well?
Usually not. Trade goods, samples and merchandise are excluded on almost every travel insurance, even where they are in the same case as personal luggage. For that part you need goods or equipment cover, with the right description of value and use. Have the distinction between luggage and merchandise recorded in advance.
What if an employee has an accident in a hire car while travelling?
Injury falls under the personal accident and medical sections of the travel policy. Liability for damage to third parties runs through the insurance on the hire vehicle locally, with the cover and excesses that apply there. In addition you can be held liable as the employer for your employee's own loss; separate employer's cover for road use is intended for that.
Does the cover apply if the trip is extended privately?
Only if that has been insured. Many business travel policies cover only the business trip including the direct outward and return journey. If someone stays on for a week or a partner travels with them, that falls outside the cover unless a private extension is included in the conditions. Arrange this in advance; reporting it afterwards does not help.
Every situation is different. For these situations we have a separate page.
- Why we work with different insurersThe main page
- Travel insurance via OOM
- Insurance for students abroad via OOM
- Insurance for backpackers via OOM
- Doing business abroad: insurance through OOMArea of cover, local law, posting staff
- Insurance for digital nomads via OOM
- Transport and business travel: staff and goods on the moveDrivers, medical expenses, repatriation
- Medical cover on business tripsEmergency assistance centre, payment guarantee, pre-existing conditions