You’ll probably already have international travel insurance when you travel. However, if you’re moving abroad or travelling for business and planning to work abroad, you’ll need specialised insurance for travelling abroad.
Why am i not allowed to use my regular travel insurance when working abroad?
The majority of travel insurance plans only cover recreational activities. Therefore, while you might be covered if you harm yourself while hiking or participating in water sports, these plans won’t cover you if you engage in these activities for work-related reasons.
This means that if you merely purchase standard travel insurance and incur an injury while working, whether it be doing clerical work, working on a farm, or working in a bar or restaurant, the insurance travel insurance coverage is generally not going to pay for the care you have received. As a result, you’ll probably find yourself strapped for cash and forced to foot the bill for the procedure. *
Do I still need working travel insurance if I’m only going on a brief business trip abroad?
You must make sure you have the appropriate kind of working abroad travel insurance, regardless of how long you plan to work abroad.
This is due to the fact that common travel insurance sometimes excludes coverage for pricey equipment like computers and smartphones that are lost or stolen. If you’re going on a business trip abroad, it’s likely that you’ll have a number of pricey electronics with you. If you don’t acquire specialised business travel insurance, you’re probably not going to be covered if any of your equipment is lost.
You might be travelling briefly to another country to perform more manual labour. In this situation, you must make sure that your travel insurance for job-related travel covers the loss or theft of any instruments you may need to bring along, as well as any accidents that may happen while you are performing the work. Even if you’re only travelling abroad temporarily, you should purchase the appropriate policy type because regular travel insurance won’t protect you from either of those situations.
What kind of working travel insurance will I need if I move abroad to work?
Insurance for travelling abroad offers the same thorough protection as our standard international healthcare policy but with a focus on ex-pats who will be working abroad. Our Working Abroad Insurance will make sure you get the greatest medical care, including for injuries experienced while working, if you move abroad to work.
What is travel insurance for international employment coverage?
Often, travel insurance in India for those who are working overseas will cover everything that is typically covered by standard travel insurance. Accordingly, you may still be covered for cancellations, medical care, and loss of your regular baggage, depending on your policy.
You will be protected against loss and theft of your company’s assets, including money, with business travel insurance. The business travel insurance covers business equipment loss and theft, as well as business equipment rental and emergency courier services for vital company supplies. With our business travel insurance, you’ll be protected against all contingencies during your business trip, in addition to general travel insurance benefits, such as medical care.
In conclusion, travel insurance is a vital consideration for anyone travelling abroad, especially those who are working there. It offers peace of mind, protects against unexpected events, and ensures access to medical care. The cost of travel insurance in India varies, but it is often a meagre amount to pay compared to the potential costs of a medical emergency or other unexpected events.
Therefore, when planning a trip abroad for work, it is essential to research and understand what is travel insurance and also compare different travel insurance options to find the right coverage for your needs.
* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.