What applies in case of illness on a business trip

When something has happened

I am sick or injured and not able to return home - what to do?

It is important that you contact us for approval and help with arranging your changed homebound journey.

A close relative has become ill, does the insurance cover my expenses for traveling home?

The insurance covers extra expenses for a new return ticket home when a person in your immediate family becomes life-threateningly ill or life-threateningly injured in an accident or dies. We cover economy flight tickets.

I have dental pain during my business journey– what to do?

The insurance covers costs for temporary treatment of acute problems, regardless of their cause. Temporary treatment refers to treatments that are necessary to mitigate the situation until the emergency dental situation is over. Definitive measures, such as fillings, crowns, root canal treatment and other long-term treatments or procedures are not reimbursed.

What should I do if I get sick or injured abroad?

Our alarm center offers immediate help 24/7. We have a wide network of caregivers that we cooperate with. We can refer you to a hospital close by and make arrangements for payment guarantees for the planned visit/treatment. Our alarm center offers service and advice in English and perhaps Nordic languages. You can also arrange your medical visit yourself, pay for it and make sure to get your receipts and medical reports - and then contact us afterward to make your claim.

Contact us for medical assistance or report a claim.

Which clinics can I use abroad?

We recommend you to contact us, we will advise you the nearest recommended clinic. You find the contact information here and on the insurance card.

Crisis

Crisis situation abroad - what to do?

In case of a terror attack or other crisis/catastrophe on your travel destination, follow instructions from your employer and relevant authorities.

If you need medical attention, you can contact us 24/7 – you will find the contact information here and on your insurance card.

Expenses during business travel

Do you cover transport to/from the doctor/hospital?

Yes, the insurance covers necessary and reasonable expenses for transport to/from the doctor and or hospital. We also cover transportation by ambulance in the acute phase.

Do I need to pay the medical expenses at the clinic?

If you are in contact with our alarm center they might be able to place a guarantee of payment or pay the hospital/doctor directly. However, in some countries, the clinics and doctors will not accept payment from others and you will have to pay yourself and claim the costs by submitting a claim form when you get back home. It is important that you keep all medical reports and receipts.

* All information is based on the general terms and conditions of the business travel insurance. Keep in mind that your employer may have chosen special terms for your insurance.

FAQ for Expatriate insurance