Organisations are pursuing international business opportunities at an increased rate and the number of travellers and employees stationed around the world has risen accordingly. With the ever-increasing emphasis on duty of care, companies need to provide the best protection possible to their personnel across the globe. Corporate personal accident and business travel insurance can ensure financial compensation and emergency assistance should the unfortunate happen.
What is covered?
Policies can be arranged on a group basis to cover employees or insured persons whilst travelling on business and include:
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Accidental death and disablement
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Unlimited medical, rescue and repatriation expenses
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Political and natural disaster evacuation
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Loss or damage to money and travel documents
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Loss or damage to personal property
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Loss or damage to business equipment
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Travel disruption
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Personal liability
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Legal expenses
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Full cover for all territories
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War/civil war
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Permanent total disablement from usual occupation
The scope of cover and benefits are selected to meet the employer’s needs and Human Resources requirements, and designed in coordination with any other employee benefit policies already in place.
Medical expenses and emergency assistance abroad
SCR can also arrange medical expenses insurance and emergency assistance in the case or illness of injury suffered whilst out of one’s own country of residence on a business trip, holiday or working as an expatriate. We work directly with underwriters and specialist assistance companies to provide clients with the following services:
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A 24-hour helpline to assist in medical emergency situations via our Alert:24 service
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Medical teams and doctors who are trained in coordinating with local doctors to determine the most appropriate treatment
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Evacuation and repatriation, where medically necessary or in the absence of appropriate local facilities
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Facility to arrange payment with local hospitals and service providers
Aviation & Loss of Licence
An airline’s pilots and aircrew are their most important asset; they are also the most vulnerable. Providing the best protection against unexpected events is not only a legal and moral obligation, but also provides a competitive advantage.
Designed specifically for the aviation industry, Aviation Accident & Health coverage overcomes many of the limitations encountered with more traditional group insurance products, which may offer restricted coverage and reduced benefits.
Loss of Licence
Loss of Licence insurance is specifically designed for pilots, flight crew and air traffic controllers. It provides a benefit, payable in the event that a named insured person(s) is unable to work due to a disability (arising from accident or illness) that results in the revocation of their medical certification.
Loss of Licence policies provide cover on a 24-hour basis, i.e. at all times during the policy period.
Personal Accident
Personal Accident insurance is designed to provide benefits to insured persons for Accidental Death and Disablement, on either a flight risks, whilst on duty or on a 24-hour basis.
Cover includes:
- Death
- Loss of Limb
- Loss of Eye Sight
- Permanent Total Disablement, other than loss of limb/eye sight