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GroupSecure Business Travel Medical Insurance3

3For the business traveler, GroupSecure business travel accident insurance provides exceptional, quality coverage as you travel abroad.

Perfect For:

  • Businesses with employee safety concerns
  • Travelers concerned with risks of traveling
  • Businesses interested in providing peace of mind for their employees

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How can a business travel accident policy protect your business?3

3In today’s global marketplace businesses need to travel to ever expanding destinations in order to reach their clients and find new opportunities. Yet, today’s business travelers face many risks, from the inconvenience of a delayed flight, to the life-threatening experience of a medical emergency or terrorist attack. With a GroupSecure Business Travel Accident Policy from Tokio Marine HCC, you will have the peace of mind that your employees and your business will be protected no matter how big or how small the situation may be. Allow us to manage your business travel risk so that you can focus on what you do best, growing your business!

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Tokio Marine HCC Business Travel Medical Benefits
  • Accidental Death
  • Accidental Dismemberment
  • Accidental Medical Expense Benefit
  • Accidental Severe Burn and Disfigurement
  • Aircraft Hijacking Benefit
  • Baggage Delay Benefit
  • Bereavement and Trauma Counseling Benefit
  • Bomb Scare or Terrorism Benefit
  • Brain Damage Benefit
  • Brain Death Benefit
  • Burial and Cremation Benefit
  • Carjacking Benefit
  • Child Care Expense Benefit
  • Coma Benefit
  • Common Accident Benefit
  • Common Carrier Benefit
  • Commutation Benefit
  • Continuation of Insurance Expense Benefit
  • Elder Survivor Care Benefit
  • Exposure and Disappearance
  • Extraordinary Commutation Benefit
  • Family and Loved Ones Reunion Benefit
  • Family Income Benefit
  • Felonious Assault and Violent Crime Benefit
  • Heart or Circulatory Malfunction Benefit
  • Home Alteration and Vehicle Modification
  • Home Health Care Benefit
  • Hospital Admission Guaranty Benefit
  • Hospital Confinement Benefit
  • Kidnap and Extortion Consultant Expense Benefit
  • Kidnap and Ransom Expense Benefit
  • Loss of Travel Documents
  • Lost Baggage Benefit
  • Medical Emergency Evacuation Benefit
  • Natural Disaster Evacuation Benefit
  • Out of Country Medical Rider
  • Pandemic Emergency Evacuation Benefit
  • Permanent Total Disability
  • Personal Liability Benefit
  • Personal Property Benefit
  • Physical, Occupational, and Speech Therapy Benefit
  • Political Emergency Evacuation Benefit
  • Private passenger Benefit
  • Rehabilitation Benefit
  • Repatriation of Remains Benefit
  • Repatriation Reunion Benefit
  • Return of Minor Children Benefit
  • Search and Rescue Expense Benefit
  • Seatbelt and Airbag Benefit
  • Survivor Education Expense Benefit
  • Temporary Total disability Weekly Benefit
  • Trip Cancellation Benefit
  • Trip Delay
  • Trip Interruption benefit
  • Vocational Training expense Benefit

Travel Inconvenience

Whether its snow, air traffic control, or a computer glitch, it doesn’t take much to make a mess of a travel itinerary. If your employees experience a travel day, lost baggage, or even a lost passport, we can help cover the costs to make things right, while working with you in real-time to get you where you need to be. Sometimes an unforeseen event can cause a business trip to be cancelled or to be cut short. We can help ensure that those additional unexpected travel expenses don’t end up taking a bite out of your bottom line.

Medical Emergencies

Employee health and safety is the number one priority of any business. Yet, many firms aren’t prepared to respond to a medical emergency that may occur during a business trip. With GroupSecure Business Travel Accident coverage your employees are only one call away from the assistance they need. With 24/7 access to our Nurse Helpline employees have immediate access to a Registered Nurse who can answer medical questions and can even direct them to the best medical facility nearest them. In the case of a critical medical emergency we can arrange a medical evacuation to transport your employee to a facility which can provide proper medical care, or even transport them back home if needed.

Specialized Business Travel Risks

Every business is unique and faces its own set of risks. Sometimes a more specialized insurance solution is needed in order to properly protect the exposure of your business. Our GroupSecure Business Travel Accident coverage is robust and flexible enough to cover even the most challenging business travel situations. Using a client specific quote process we can create a tailored policy solution which can include coverage for policyholder owned aircraft, travel into war risk countries, coverage for hazardous activities and more.

About the Medical Insurance Services (MIS) Group:

Tokio Marine HCC – MIS Group is a full service organization offering a comprehensive portfolio of international group health, domestic short term and travel medical insurance products designed to address the insurance needs of travelers worldwide. Established in 1998 in Indianapolis, Indiana our team was a pioneer in providing insurance coverage over the internet and implementing fully automated quoting systems. Today, many thousands of international insurance professionals partner with us to provide valuable insurance products to customers in over 130 countries around the globe.

Why Tokio Marine HCC Tokio Marine HCC?

Tokio Marine HCC Tokio Marine HCC is a leading specialty insurance group underwriting more than 100 classes of specialty insurance in approximately 180 countries. Headquartered in Houston, Texas, the company is made up of highly entrepreneurial teams equipped to underwrite special situations, companies and individuals. Tokio Marine HCC is part of Tokio Marine, a premier global company with a market cap of approximately $30 billion

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What is Covered?

If a covered traveler is hospitalized and would like a family member or loved one to visit them while they are confined to a hospital, this benefit will pay for the visitor's travel and accomodations cost.

(Note: This benefit is subject to the terms and conditions of the policy and state availability restrictions apply.)

How Does This Help My Business?

The employee and their family will view your business as prepared and responsive to emergency situations, improving morale and lowering the risk of adverse legal action.

Why is Tokio Marine HCC Better Than the Rest?

Many competitors limit this benefit to only Immediate Family Members such as a Father, Mother, Sibling, Child, etc. We have expanded the benefit to allow the Insured Person to choose any person they would like to join them which could include a friend, romantic partner or any other loved one.

What is Covered?

If a covered traveler is in a location that is struck by a natural disaster and is in imminent danger, we will evacuate them to a place of safety, or back to their place of residence if necessary.

(Note: This benefit is subject to the terms and conditions of the policy and state availability restrictions apply.)

How Does This Help My Business?

This coverage enables your business to respond immediately to a threat to your employee’s safety and can prevent a dangerous situation from escalating into something much worse. This ensures the safety of your employees, and can protect business continuity.

Why is Tokio Marine HCC Better Than the Rest?

Many competitors require a local government to declare an area a disaster area or to declare an official state of emergency for this benefit to become payable. This can cause delays and uncertainty if a local government is slow to respond to an event. Our policy allows our assistance provider to activate this benefit based on their own assessment of the situation on the ground or even preemptively evacuate a covered traveler if there is advance warning of a natural disaster. With Tokio Marine HCC you can stay one step ahead.

What is Covered?

If a covered traveler is killed or dismembered in an auto accident and they were wearing a seatbelt and an airbag properly deployed, we will pay the benefit amount.

(Note: This benefit is subject to the terms and conditions of the policy and state availability restrictions apply.)

How Does This Help My Business?

This benefit provides an additional accident benefit amount to a covered employee who may have been killed or injured in an auto accident. This benefit helps your business meet duty of care requirements and reduces the threat of adverse legal action against your business.

Why is Tokio Marine HCC Better Than the Rest?

Many competitors limit this benefit to be payable only if a covered employee dies as a result of an auto Accident. However, today cars are much safer and you are more likely to survive a severe Accident. We have expanded our language to also make this benefit payable if a covered employee suffers any condition on our covered Dismemberment schedule which can include paralysis and other injuries which are much more likely to be the result of a severe auto Accident than death.