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Group Travel Insurance
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Corporate Travel has become essential with businesses going global. The Group Travel Insurance plans are therefore exceedingly popular among the Corporates for their employees. From an organisation’s perspective, you want to be secure against any travelling related problems.
What is Group Travel Insurance?
A Group Travel InsurancePolicy is purchased for a group of people travelling together. This Policycan be offered for International Trips as well as Domestic Trips.
A Group Travel Insurance Policy can be purchasedfor a Single Trip or for Multiple Trips throughout the year.
The most common Group Travel Insurances are Corporate Travel insurances. These are a must have for Corporates as they are offered with customisation to suit the needs of a particular Company.
What is the eligibility requirement to purchase a Group Travel Insurance Policy?
Companies usually purchase Group Travel InsurancePolicies for their employees
Schools can purchase a Group Travel Insurance Policy for students who are going on a trip as a single group
Another requirement is that Employees should be Citizens of India
What are the key benefits offered under a Group Travel InsurancePolicy?
Buying a GroupTravel Insurance Policy is not an expense but rather a tool to alleviate stress arising from change of plans or travel related problems. The following benefits are offered with a Group Travel Insurance Plan:
Emergency Medical Expenses:A Group Travel Insurance Policy pays for any sudden illness or accident.
Emergency Medical Evacuation: If evacuation is necessary to the closest city/town for better medical treatment then the same can be arranged under a Group Travel Policy.
Accidental Death & Disability: An Accidental Death or Disability while on the trip is covered under a Group Travel Insurance.
Repatriation of Mortal Remains: Expenses for sending the deceased body back home are covered.
Trip Cancellation or Interruption: It is quite common for your itinerary to be impacted due to any emergency or flight related troubles that are covered with this plan.
Trip Delay/Missed flight: If a Connecting Flight is missed due to bad or inclement weather, then expenses incurred due to the same are covered under a Group Travel Insurance Policy.
Replacement of Lost/Stolen Baggage: A Group Travel Insurance will pay for any expenses arising out of Lost or Delayed Baggage
Loss of Passport or other Travel Documents: A Group Travel Insurance Policy will cover expenses incurred towards obtaining new travel documents in case of Loss of Passport or Other Travel Documents.
What are the Add-On Covers in a Group Travel Insurance?
The Insured can opt for the following Add-On Covers when purchasing a Group Travel Insurance Policy:
Pre-Existing Illness cover: A Group Travel Insurance Policy normally doesn’t cover expenses arising out of Pre-Existing Diseases. However, in selective circumstances, the Insurance Company may waive this condition based on discretion.
(H3) Adventure-Sports: Group Travel Insurance Policies have the option of covering Medical Expenses arising out of injuries on account of participation in Adventure Sports like Mountaineering, Sea Sports etc. which are normally an exclusion.
High-Risk Countries: A list of countries with high chances of war, terrorist attacks, or natural disasters can be covered on the prior approval from the Insurance Company while purchasing a Group Travel Policy for corporate travel.
Is Group Travel Insurance cheaper than Individual Travel Insurance?
Yes, for a Company which has a lot of employees travelling throughout the year, a Group Travel Insurance Policy will be cheaper than taking specific Individual Travel Insurance for each trip.
What are the exclusions under a Group Travel Insurance Policy?
The Common Exclusions in a Group Travel Insurance Policy are as follows:
Exclusions in a Group Travel Insurance Policy
Routine Health Check-Up
Suicide or Self-Inflicted injury
Mental disorders treatment
Cosmetic Treatment or Alternative treatment such as Ayurveda or Homeopathy
Involvement in any illegal or criminal activity
Loss of Passport (when left unattended) or by the customs officials or police
Loss of Baggage (shipped separately)
Liquor, Drugs, HIV, AIDS
War, Civil War or Terrorism
How to make a Claim under a Group Travel Insurance Policy?
The Insured needs to follow the following process to make a Claim under Group Travel Insurance:
Claim Intimation:Corporate plans have 24/7 assistance so the first thing to do is contact the Insurance company, intimate the claim and get a claim reference number.
Documentation: Understand what documents are required according to the emergency that you are claiming for. Submit the required documents along with the duly filled and signed Claim Form to make a claim under a Group Travel Insurance Policy.
Get the Best Quotes for Group Travel Insurance with Qian!
Have any queries regarding Group Travel Insurance? Want to purchase a Group Travel Insurance Policy?
Qian is an Experienced Insurance Broker for Travel Insurance. We are empanelled with all Insurance Companies and can offer variety of plans which suit your requirements and budget.