No organisation wants disaster to strike its employees while they are away on company business.
These flexible Business Travel policies provide a high quality and robust range of benefits covering medical, personal and travel-related events at competitive prices. Along with standard Business Travel coverage options, such as for overbooked flights and lost baggage, for that extra peace of mind, medical evacuation, repatriation, and political and natural disaster evacuation are also covered.*
Businesses of all sizes often purchase our Business Travel Insurance together with Group Personal Accident & Sickness cover.
Benefits
Coverage*
Two levels of cover are now available for your clients:
Premium – Offering benefits for your clients who travel light, are predominantly domestic travellers, and are the more discerning traveller.
Elite – Offering all the new ‘additional’ benefits with loss of deposits cover (capped at $20k for private travel).
Both levels of coverage include:
Risk appetite
We have a broad appetite and will consider most risks presented to us. Our preferred risks that typically don’t require referral to the underwriters include, but are not limited to the following:
* Cover is subject to the full terms, conditions, exclusions and limits contained in the A+HPRO Business Travel Insurance Policy Wording and Product Disclosure Statement.
Cover for employees in the event of injury, sickness or accidental death.
Employers in all types of industries purchase this market leading Group Personal Accident & Sickness cover to protect against a loss caused by an accidental death, injury or sickness to its employees (or a single employee in the case of our Individual Personal Accident & Sickness cover).
This cover is usually provided as a contractual benefit to employees, however, a business can purchase this benefit so they are able to provide a range of payments and assistance in the event that the covered person is accidentally injured or killed.*
Benefits
Coverage*
Risk appetite
No general age exclusion, meaning a level of cover is available to people of all ages
Along with Business Travel, we have a broad appetite for Personal Accident and Sickness (both Group and Individual) and will consider most risks presented to us. Our preferred risks that typically don’t require referral include the following:
* Cover is subject to the full terms, conditions, exclusions and limits contained in the A+HPRO Group Personal Accident & Sickness Insurance Policy Wording and Product Disclosure Statement
Personal Accident Insurance provides cover for a serious accident, it provides a lump sum payout on eligible claims regardless of whether the injured person can return to work or not.
Even if a serious injury doesn’t stop the injured person from working again, it could have a huge impact on them and their family. For example, medical and other expenses, months without pay, and they may not be able to return to their previous occupation.
Coverage*
Risk appetite
Along with Business Travel, we have a broad appetite for Personal Accident and Sickness (both Group and Individual) and will consider most risks presented to us. Our preferred risks that typically don’t require referral include the following:
* Cover is subject to the terms, conditions, exclusions and limits contained in the A+HPRO Individual Personal Accident & Sickness Insurance Policy Wording and Product Disclosure Statement.
Cover for employees commuting between home and work.
Journey Accident Insurance provides benefit payments when someone covered by the policy dies, becomes disabled or suffers from certain conditions while on a journey.
Business of all sizes are insuring their staff as they commute to and from work. This policy has been seen as a way to fill a gap that has been created by coverage exclusions in various State based Workers’ Compensation legislation, such as in NSW, SA,TAS, VIC and WA.
Coverage*
Risk appetite
Age limit to 85 year, however limitations apply from age 75.
Our preferred risks that typically don’t require referral include the following:
* Cover is subject to the terms, conditions, exclusions and limits contained in the A+HPRO Journey Accident Insurance Policy Wording and Product Disclosure Statement.
Offers cover to protect against certain losses sustained by volunteers providing services, without payment, to an educational, charitable or benevolent organisation.
Cover for our generous volunteers
Volunteers are selfless individuals who offer their time and effort to assist with worthy causes. As with all jobs, injury or death may unfortunately occur.
This type of policy offers a form of protection to volunteers while providing services, without payment, primarily to educational, charitable or benevolent organisation on behalf of the policyholder. Voluntary Workers Insurance can cover accidental death and disability, loss of income, emergency home help and medical expenses that are not covered by Medicare.
Benefits
Coverage*
Risk Appetite
Our preferred risks that typically don’t require referral include the following:
* Cover is subject to the terms, conditions, exclusions and limits contained in the A+HPRO Voluntary Workers Insurance Policy Wording and Product Disclosure Statement.