Flex Business

When employees need coverage on business travel
Annual insurance

It is important for Gouda to offer flexible insurance solutions that satisfy our customers’ individual wishes and needs.

Whether employees are frequent travellers or travel for only a few days each year, there is a need for a complete and comprehensive insurance, made precisely to match the needs of the individual company.

For that reason our Business Travel Insurance is designed so that you can choose freely among the different types of coverage. The basis coverage, Illness and Repatriation, must always be chosen.

View over the different coverages

The purpose of our Flex Business Travel Insurance is to give the travelling employee a personal safety net in case something unexpected happens whilst travelling. It also spares the company potentially large expenses connected with the employee’s assistance. In an emergency it is important that the employee is assisted by a team of experts. Our Business Travel Insurance is therefore designed to cover typical requirements. The following types of coverage can form part of the insurance: 

  • Summoning
  • Recall
  • Replacement of personel
  • Escort of patient
  • Accident coverage (death and disability)
  • Assault
  • Travel life
  • Disability by illness 
  • Luggage
  • Flight delay
  • Cancellation insurance
  • Luggage delay
  • Personal liability
  • Legal assistance
  • Deposit/guarantee
  • Delayed arrival

Luggage, delayed luggage, delayed flight and cancellation
When the luggage option is chosen, the insurance automatically covers delayed luggage, delayed flight and cancellation.

Personal liability, legal assistance and deposit/guarantee
When the personal liability option is chosen, the insurance automatically covers legal assistance and deposit/guarantee.

More
These terms form only part of the insurance conditions. For the complete terms, conditions and exclusions please read conditions no. 870. Coverage amounts listed in the conditions can be adjusted.

Price
The final price of your policy will depend on the chosen coverage, the coverage amounts and the travel activity.

Regulation of price
Generally, the policy starts on the day it is purchased and is valid for a year. The price is based on the expected travel activity. After a year, the policy will be reassessed and regulated to ensure your policy suits your requirements. It can be problematic to keep track of all travel activity, especially for larger companies. Therefore, we are happy to use the type of travel activity assessment that suits your company.

The treatment of claims
Acute cases such as hospitalisation, recall etc. will be handled by our alarm centre. Other claims such as flight delay, damage to luggage etc. will be treated by our claims department. 

Related content

When employees need coverage on business travel
Annual insurance

It is important for Gouda to offer flexible insurance solutions that satisfy our customers’ individual wishes and needs.

Whether employees are frequent travellers or travel for only a few days each year, there is a need for a complete and comprehensive insurance, made precisely to match the needs of the individual company.

For that reason our Business Travel Insurance is designed so that you can choose freely among the different types of coverage. The basis coverage, Illness and Repatriation, must always be chosen.

View over the different coverages

The purpose of our Flex Business Travel Insurance is to give the travelling employee a personal safety net in case something unexpected happens whilst travelling. It also spares the company potentially large expenses connected with the employee’s assistance. In an emergency it is important that the employee is assisted by a team of experts. Our Business Travel Insurance is therefore designed to cover typical requirements. The following types of coverage can form part of the insurance: 

  • Summoning
  • Recall
  • Replacement of personel
  • Escort of patient
  • Accident coverage (death and disability)
  • Assault
  • Travel life
  • Disability by illness 
  • Luggage
  • Flight delay
  • Cancellation insurance
  • Luggage delay
  • Personal liability
  • Legal assistance
  • Deposit/guarantee
  • Delayed arrival

Luggage, delayed luggage, delayed flight and cancellation
When the luggage option is chosen, the insurance automatically covers delayed luggage, delayed flight and cancellation.

Personal liability, legal assistance and deposit/guarantee
When the personal liability option is chosen, the insurance automatically covers legal assistance and deposit/guarantee.

More
These terms form only part of the insurance conditions. For the complete terms, conditions and exclusions please read conditions no. 870. Coverage amounts listed in the conditions can be adjusted.

Price
The final price of your policy will depend on the chosen coverage, the coverage amounts and the travel activity.

Regulation of price
Generally, the policy starts on the day it is purchased and is valid for a year. The price is based on the expected travel activity. After a year, the policy will be reassessed and regulated to ensure your policy suits your requirements. It can be problematic to keep track of all travel activity, especially for larger companies. Therefore, we are happy to use the type of travel activity assessment that suits your company.

The treatment of claims
Acute cases such as hospitalisation, recall etc. will be handled by our alarm centre. Other claims such as flight delay, damage to luggage etc. will be treated by our claims department. 

Coverage

Basic Cover

Sum pr. person in DKK

Illness, Emergency medical transport and RepatriationUnlimited
Incorrect medical treatment1.000.000
Escort of patient/SummoningUnlimited
RecallUnlimited
Replacement of personnelUnlimited
Assistance on site – 24-hour emergency serviceCovered
Personal safety: 
- Counselling on siteCovered
- Telephone counselling of next-of-kinCovered
- Counselling after arrival homeCovered
- EvacuationCovered
- Search and rescueCovered
- TerrorismCovered
- Hostage takingCovered
- Detention in connection with warCovered
War riskCovered

Extended covers

Sum pr. person in DKK

A. Accident 
- Disability500.000
- Death500.000
- Assault500.000
B. Life assurance200.000  
Illness-related disability200.000
C. Luggage:25.000
Luggage delay3.000
Flight delay1.000
Cancellation insurance5.000
D. Late arrival25.000
E. Personal liability: 
- Personal injury10.000.000
- Property damage5.000.000  
Legal assistance abroad100.000
Deposit/guarantee100.000

The sums can be adjusted according to the company´s wishes.