Corporate & Business Travel Insurance for employees

Optimal coverage on business trips

In order to offer you and your employees the best possible coverage on business trips worldwide, HanseMerkur Reiseversicherung AG provides you with comprehensive corporate travel insurance products in the area of business travel.

You can decide which insurance policy is the optimal solution for your employees and their dependents during a stay abroad. Select the appropriate coverage from our HanseGLOBAL and HanseCOMPACT and HanseWORKATION travel health insurance rates. A modular system allows you to put together your own individual cover. Only what you and your employees need is covered.

Highlights

We support you in fulfilling your duty of care: The statutory health insurance often only reimburses the costs that would also have been incurred in Germany. In some cases, the statutory health insurance does not cover any costs at all. Since employees abroad are considered private patients, they often incur considerable costs. In addition, the usually very high costs for return transport in the event of illness or even the repatriation of deceased persons are not covered by the statutory health insurance. Our corporate rates fill this gap, among other things.
Insurable persons: We define employees not only as salaried employees, but also as members of the management (board members or similar) as well as self-employed or freelance persons commissioned by you who are traveling on behalf of your company or even independently.
Individual requirements - individual solutions: Depending on the selected tariff, short-term as well as long-term trips can be covered. If you have a very high volume of short-term travel, you can use HanseCOMPACT to cover all your employees on business trips worldwide for up to 92 days on the basis of an annual flat-rate travel day booking. HanseGLOBAL is recommended for low travel volumes or long-term international assignments. Each individual trip is conveniently booked via an online tool. The same applies to HanseWORKATION, which in turn covers the scenario of a combination of holiday and work at the employee's request.

Working together

In Business Travel World, you as a company are our contractual partner and your employees are the insured persons. With both the HanseGLOBAL and the HanseCOMPACT we conclude a group insurance contract with you. The difference lies in the way the booking of your employees and the accounting works:

HanseGLOBAL and HanseWORKATION: Once the contractual relationship has been established, we will send you your access data to our travel protection portal so that you can book your employees in yourself. In many cases, a member of staff from the HR department will make the booking. The billing cycle for the tariffs can be monthly, quarterly, semi-annually or annually. Depending on the cycle selected, all the trips incurred and booked by you are settled at this time. Payment can be made by SEPA direct debit mandate or by bank transfer. With HanseWORKATION, it is also possible for the insured person (your employee) to be the direct premium payer.
To the product page of HanseGLOBAL
To the produkt page of HanseWORKATION

HanseCOMPACT: Unlike the HanseGLOBAL, the contractual relationship here is based on a group insurance contingent contract. Already during the contract initiation you decide how many travel days you want to provide and purchase for your employees within one year. During the insurance year, the trips taken are collected in a central overview. At the end of the year, a flat-rate settlement of travel days is made by comparing the booked travel days with the actual number of travel days incurred. You receive a refund or have to make an additional payment and can adjust the travel day booking for the following year based on the empirical values.
To the product page of HanseCOMPACT