Business Travel

This product is designed for companies where numerous employees make overseas trips, each trip lasting for not more than 6 months. The employees get covered for Accident & Sickness Medical Expenses, Medical Evacuation, Baggage Loss or Delay, even Loss of Passport and a host of other relevant benefits. This is backed up by effective claims and assistance services across the world by two of the most proficient Assistance companies - AIG Assist and International SOS.

Why buy an individual retail policy every time your employee travels abroad when you can buy a single policy for all your people?

Features 
 
Why BTA?

• BTA's premium rates are per day, per person - so you pay only for what you use - this saves premium
• The policy issuance is Internet based and convenient both for issuing policies and MIS
• Travel days can be replenished on payment of additional premium - and monthly reconciliation to ensure accuracy of your billing.
• Toll Free facilities in Americas, UK, Japan for immediate medical assistance

How it works?
 
Each BTA policy is for an entire year. During this year, all single overseas trips (not exceeding 180 days) made by each and any employee is covered. The travel days and premium are adjusted according to actual number of days used.

Cover Includes
 
Coverage under BTA

Under the BTA Policy of Tata AIG we currently have three plans namely Economy, Business and First which the company can opt for.

Small business. Big cover.

Tata AIG's Business Travel Guard is perfect for corporates where five or more employees frequently travel overseas. A single plan covers a minimum of five employees for multiple trips, as long as a trip is no more than 90 days each.

Features 
 
Unique Features

• 24 hour protection while on business trip
• A single plan can insure minimum 5 employees
• Minimum administrative burdens and cost saving to you
• Choice of 3 attractive covers
• Option to choose different insurance plans for employees and different AD&D coverage limits
• No trip declaration
• No medical examination
• Direct settlement for in-hospital medical expenses
• Covers valid for multiple trips
• Fixed Premium payable once annually
• Pro-rata premium payable to bring new employees and older, non Tata Aig covers on par

Options 
 
Business Travel Guard has three plans - Silver, Gold and Platinum. Which one you choose depends on how much cover you want.

• Business Travel Guard Silver offers basic coverage of US $50,000 plus additional covers for Personal Liability of US $100,000, loss of baggage (checked) up to $500 and an additional $50 if your baggage is delayed by more than 12 hours. Further, it also covers accidental death and dismemberment up to $5,000 if this happens while traveling by a common carrier.

• Business Travel Guard Gold offers basic coverage of US $100,000 plus additional covers for Personal Liability of US $200,000, loss of baggage (checked) up to $1000 and an additional $100 if your baggage is delayed by more than 12 hours. Further, it also covers accidental death and dismemberment up to $15,000 and a further coverage up to $10,000 if this happens while traveling by a common carrier.

• Business Travel Guard Platinum offers basic coverage of US $200,000 plus additional covers for Personal Liability of US $500,000, loss of baggage (checked) up to $1500 and an additional $150 if your baggage is delayed by more than 12 hours. Further, it also covers accidental death and dismemberment up to $25,000 and a further coverage up to $25,000 if this happens while traveling by a common carrier.