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Protect employees, teams, delegates, and organised travel groups against unexpected medical, financial, and travel-related disruptions with customised Group Travel Insurance.
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PRODUCT OVERVIEW
Group Travel Insurance, also known as Corporate Travel Insurance or Business Travel Insurance, is a policy that covers multiple travellers under a single plan. It is commonly used by businesses, educational institutions, event organisers, and NGOs to protect groups against medical emergencies, travel disruptions, baggage loss, and other travel-related risks while simplifying administration and reducing costs.The policy typically covers medical emergencies, trip interruptions, baggage-related losses, passport loss, emergency evacuation, and other unforeseen travel incidents during domestic or international travel. For businesses, Group Travel Insurance also supports employee travel risk management and duty-of-care requirements while ensuring smoother administration and cost efficiency for organised travel programmes.
ELIGIBILITY
Designed for organisations managing domestic or international employee travel for meetings, client visits, project deployments, and business operations.
Suitable for companies sending employees abroad for temporary assignments, training programmes, relocation support, or long-term projects.
Helps cover delegates, speakers, organisers, and attendees travelling for exhibitions, trade shows, corporate conferences, and industry events.
Used by schools, colleges, and universities organising study tours, student exchange programmes, academic travel, and international education visits.
Ideal for businesses arranging reward trips, team outings, leadership retreats, or organised leisure travel for employees and partners.
Supports NGOs, non-profit organisations, and volunteer groups travelling for humanitarian work, social initiatives, or international missions.
ADVANTAGES
Protects multiple travellers under a single policy framework, helping organisations reduce overall insurance costs compared to purchasing separate individual plans.
Enables businesses to manage traveller coverage, policy documentation, renewals, and coordination through one consolidated insurance framework.
Covers emergency hospitalisation, accidental injuries, medical treatment, evacuation, and related healthcare expenses during travel.
Provides financial protection against losses arising from cancelled trips, interrupted itineraries, or unexpected travel disruptions.
Offers coverage for loss, theft, or delay of checked-in baggage and assistance for passport-related emergencies during international travel.
Provides access to emergency coordination support, travel assistance, medical referrals, and claim guidance during domestic and international travel.
Allows organisations to tailor coverage based on traveller profile, destination, trip duration, and specific business travel requirements.
Group Travel Insurance supports organisational duty-of-care obligations by helping businesses address employee safety, emergency response preparedness, and travel risk management during official travel.
INCLUSIONS & EXCLUSIONS
Emergency Medical Expenses
Covers hospitalisation, emergency treatment, doctor consultations, and medical expenses arising due to illness or accidental injuries during the insured trip.
Emergency Medical Evacuation & Repatriation
If a traveller requires urgent transportation to a suitable medical facility, the policy can cover evacuation costs and related logistical arrangements.
Trip Cancellation & Trip Interruption
Offers reimbursement for non-refundable travel and accommodation expenses resulting from covered trip cancellations or travel interruptions.
Loss or Delay of Checked-In Baggage
Provides compensation for financial losses arising due to delayed, lost, or stolen checked-in baggage during travel.
Passport Loss Assistance
Covers expenses related to the loss of passport and emergency replacement procedures during international travel.
Flight Delay Expenses
Provides reimbursement for eligible expenses incurred due to prolonged flight delays, including essential purchases and accommodation costs.
Personal Liability Coverage
Protects travellers against third-party legal liability claims arising during the insured journey.
24x7 Travel Assistance Services
Provides access to emergency support services for medical coordination, travel assistance, and claim-related guidance during travel.
Pre-Existing Medical Conditions
Medical conditions existing before policy issuance are generally excluded unless specifically declared and accepted under the policy terms.
Self-Inflicted Injuries
Claims arising due to intentional self-harm, reckless behaviour, or attempted suicide are typically not covered.
War & Civil Unrest
Losses arising due to war-like situations, riots, strikes, or civil disturbances are generally excluded from standard coverage.
Hazardous & Adventure Activities
Participation in high-risk sports or hazardous activities may not be covered unless specifically included in the policy.
Alcohol or Drug-Related Incidents
Claims resulting from alcohol intoxication, substance abuse, or drug-related incidents are commonly excluded.
Unattended Personal Belongings
Loss or theft of unattended valuables, cash, tickets, or personal belongings may not qualify for reimbursement.
Non-Covered Travel Disruptions
Trip cancellations or interruptions arising from reasons outside policy-defined events are generally not eligible for claim settlement.
Illegal or Non-Compliant Activities
Claims arising due to unlawful acts, visa violations, or non-compliance with destination country regulations are typically excluded under the policy.
CLAIMS
Coverfox will assist the policyholder with the claim resolution. The employer must follow these steps to raise a claim for WC policy through Coverfox:
In case of hospitalisation or medical treatment during travel, the insured traveller should immediately contact the emergency assistance provider or write to help@coverfox.com for claim support and guidance.
For loss or theft of checked-in baggage, the traveller must report the incident to the airline or local authorities and obtain written confirmation. Supporting documents such as baggage loss reports, boarding passes, FIR copies, and claim forms are typically required.
The insured traveller must report passport loss to the local police authorities and the Indian embassy or consulate. Claim settlement generally requires FIR copies, passport replacement receipts, and supporting travel documents.
For trip cancellation-related claims, travellers are generally required to submit cancellation proof, booking invoices, payment receipts, and documents supporting the reason for cancellation.
After successful verification, the claim is processed, and compensation is paid as per policy terms.
A Workmen Compensation Policy (WC policy) is insurance that covers an employer’s legal liability for employee injury, disability, or death due to workplace accidents, ensuring compensation is paid as per law.
Yes, the Workmen’s Compensation Act, 1923 makes it mandatory for certain categories of employers to provide compensation to workers in case of injury or death during employment.
Most WC policies can be extended to cover contractual, temporary, and casual workers. Coverage depends on the policy terms and the number of employees declared at the time of purchase.
Yes, you can easily purchase a Workmen’s Compensation Policy online through Coverfox. Compare plans, get instant quotes, and complete the process in minutes.
Employers without a WC policy may face significant legal penalties, lawsuits, and financial liability for paying compensation out-of-pocket in the event of employee injury or death at the workplace.
