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Corporate Travel-BizTraveler

Travel coverage for business people on the move

Peace of mind for traveling employees

Travel coverage for business people on the move

Business travel is increasingly common in this globalized world. Yet companies are faced with the possibility of incurring substantial expenses due to emergency medical evacuation, lost baggage, flight diversions and other potential difficulties. Tumultuous and sudden changes to political and social landscapes also contribute to the increased risk of business travel.

With companies being liable for their employees’ well-being, as well as any additional hotel, living, or alternative traveling expenses, it is now even more crucial for organizations with overseas travel commitments to have adequate corporate travel insurance.

This is where Liberty’s BizTraveler can have your company’s employees adequately covered. BizTraveler also offers your employees the flexibility to enjoy the same coverage when they extend their work trips for leisure. Whether it’s flight disruptions or overseas medical expenses incurred in either business or extended leisure time, Liberty will be here to assist in taking some of the stress and uncertainty out of your employees’ business trips.

Benefits at a Glance

  1. 24-hour accessibility to our Liberty Helpline at (+65) 6636 1131 which provides medical and travel assistance services worldwide
  2. Liberty China Card–Hospital admission deposit waived at designated hospitals in China, Hong Kong and Taiwan
  3. Option to allow extension for leisure travel
  4. Covers personal deviation up to 31 days before and after a business Trip
  5. Coverage in the event of terrorism, including when nuclear, chemical and/or biological weapons are used (excluding Section 16, 17 and 20)

Summary of Benefits

Description of Benefits Plan 1 Plan 2 Plan 3
Personal Accident
Accidental Death and Permanent Disablement
Compensates for accidental death or permanent disablement following Accidental bodily Injury
S$250,000 S$350,000 S$550,000
Accidental Death and Permanent Disablement due to War S$10,000 S$15,000 S$25,000
Terrorism Extension
Covers death or bodily Injury, loss or damage in the event of terrorism including the use of Nuclear, Chemical and/or Biological weapons whilst overseas (Not applicable to Section 16, 17 & 20)
Covered Covered Covered
Accidental Burns Benfits
Compensates for third degree burns following Accidental bodily Injury
S$250,000 S$350,000 S$550,000
Fracture Benefit
Compensates for fractures following Accidental bodily Injury
S$2,500 S$3,500 S$5,500
Accidental Death While Traveling in Common Carrier
Compensates for Accidental death while traveling in a rail, sea or air conveyance as a fare-paying passenger
S$20,000 S$30,000 S$50,000
Compassionate Allowance
Pays a lump sum allowance in the event of Insured Person’s Accidental death
S$3,000 S$4,000 S$5,000
Child Education Fund
Pays a lump sum education fund to Insured Person’s dependent child in the event of his/her Accidental death
S$10,000 S$15,000 S$25,000
Medical
Overseas Medical Expenses
Pays for medical, Hospital and Accidental dental expenses incurred whilst abroad as a result of Sickness or Injury
S$100,000 S$200,000 S$300,000
Medical Expenses Incurred upon Return to Singapore
Follow-up treatment within 31 days from return date or treatment sought within 3 days from return date and up to 31 days (if initial treatment is not sought Overseas)
S$5,000 S$8,000 S$10,000
Treatment by Traditional Chinese Medicine Practitioner and Chiropractor
Pays Traditional Chinese Medicine (TCM) and Chiropractic expenses incurred whilst Overseas and follow-up treatment in Singapore
S$500 S$800 S$1,000
Hospital Daily Income Benefit (Overseas)
Pays for each 24-hour period of Overseas Hospital confinement up to a limit of S$200 per day
S$5,000 S$8,000 S$10,000
Overseas Hospital Visit
Pays for the cost of transportation and accommodation expenses of one relative or friend if the Insured Person is hospitalized for more than 5 days whilst Overseas
S$5,000 S$8,000 S$10,000
Overseas Compassionate Visit
Pays for the cost of transportation and accommodation expenses of one relative or friend to assist in the preparation of the mortal remains
S$3,000 S$5,000 S$8,000
Evacuation and Repatriation
Liberty China Card
Hospital admission deposit waived at designated hospitals in China, Hong Kong and Taiwan
Covered Covered Covered
Emergency Medical Evacuation
Covers all expenses for emergency medical evacuation coordinated by Liberty Helpline (+65) 6636 1131
Unlimited Unlimited Unlimited
Repatriation of Mortal Remains
Covers for cost of transporting Insured Person’s mortal remains or local burial at place of death
S$10,000 S$20,000 S$30,000
Emergency Telephone Charges
Pays for telephone charges incurred as a result of medical emergency
S$100 S$200 S$300
24-hour Medical and Travel Assistance
On referral and arrangement basis
Liberty Helpline: (+65) 6636 1131
Liability
Personal Liability
Insures against third party claims for bodily Injury or property damage caused by Insured Person’s negligence whilst Overseas
S$500,000 S$800,000 S$1,000,000
Inconveniences
Trip Cancelation/Postponement
Pays for the non-refundable portion of travel costs paid in advance or administrative charges incurred due to Unforeseen Circumstances
S$5,000 S$8,000 S$10,000
Trip Curtailment
Pays for the pro-rata amount for each complete day of the planned Trip lost due to Unforeseen Circumstances
S$5,000 S$8,000 S$10,000
Trip Rearrangement
Pays the cost for the Insured Person to make a replacement business Trip where the original business Trip was curtailed due to Unforeseen Circumstances
S$5,000 S$8,000 S$10,000
Trip Disruption
Pays for the pro-rata amount for each complete day of the planned Trip lost if the Insured Person is hospitalized Overseas for more than 5 days
S$3,000 S$5,000 S$7,000
Travel Delay
Pays S$200 for each 6 full consecutive hours of delay whilst Overseas
Pays maximum limit of S$200 for delay in Singapore if in excess of 6 full consecutive hours
S$1,000 S$1,000 S$1,000
Travel/Flight Misconnection
Pays S$100 for each 6 full consecutive hours of delay whilst Overseas
S$1,000 S$1,000 S$1,000
Flight Diversion
Pays S$100 for each full 6 consecutive hours if the scheduled flight is diverted whilst Overseas
S$1,000 S$1,000 S$1,000
Travel Overbooking
Covers accommodation, meal and travel expenses if Insured Person is unable to board the scheduled flight due to overbooking
S$150 S$200 S$250
Baggage Delay
Pays S$200 for each 6 full consecutive hours of delay whilst Overseas
Pays maximum limit of S$200 for baggage delay upon return to Singapore if in excess of 6 full consecutive hours
S$1,000 S$1,000 S$1,000
Losses
Loss of or Damage to Baggage & Personal Effects
Covers loss, damage or stolen baggage and personal effects sustained Overseas including golfing equipment
Maximum S$1,000 for each item or set or pair of items
S$3,000 S$4,000 S$5,000
Loss of or Damage to Personal Portable Business Equipment
Covers loss or damage to mobile phones, laptop computers and tablets
Maximum S$1,000 for each item or set or pair of items
S$2,000 S$2,000 S$2,000
Loss of Personal Money and Travel Documents
Covers loss of money whilst Overseas as a result of robbery, burglary/theft or due to Natural Disaster and pays for the cost of replacing Insured Person’s travel documents including the additional travel and hotel accommodation expenses incurred Loss of Personal Money is limited to S$500
S$1,000 S$2,000 S$3,000
Others
Employee Replacement Benefit
Pays the cost of sending a replacement employee to continue the business of the Insured, in the event the Insured Person is unable to continue the business Trip
S$5,000 SS$6,000 S$7,000
Bail Bond Facility
Provides assistance in the event the Insured Person has been arrested for a bailable offence whilst Overseas
S$15,000 S$15,000 S$15,000
Hijack Benefit
Pays S$200 for each 12 full consecutive hours if the Insured Person is hijacked on a Common Carrier
S$5,000 S$5,000 S$5,000
Quarantine following Infectious Diseases
Pays S$50 for each complete day of quarantine whilst on a Trip Overseas or within 7 days upon returning to Singapore
S$350 S$700 S$1,000
Automatic Extension
Automatically extends for 7 days if Trip is delayed due to Accident or Sickness suffered by the Insured Person or delay by scheduled transport
7 days 7 days 7 days