Personal Accident and Business Travel

About our Personal Accident and Business Travel product

Our Personal Accident and Business Travel solution can help your clients to fulfil their duty of care to protect their employees at home, at work and on the move.

Our appetite covers any UK-based businesses, from small domestic companies with basic needs to multinational businesses requiring flexible and tailored programmes in multiple territories. Businesses with international entities or operations will need to speak to their usual Zurich contact. See our ‘Get a quote’ section for contact information.

Cover highlights

Personal Accident

Includes coma benefit cover, cover for injury which results in permanent facial scarring, and cover for cosmetic reconstructive surgery due to an injury
Employees with a critical illness can access a medical second opinion on that illness
Corporate reputation protection cover, including internal and external stakeholder communications support, brand rehabilitation and recovery services
Up to £250,000 for catastrophic injury rehabilitation as a supplement to any other personal accident benefit payable
Employees who work from home and need physio to address an ergonomic injury or support to address work-related mental health issues can receive up to £350 cover or five sessions per year

Business Travel

Accidental death benefit for employees who suffer a heart attack or stroke whilst on a business trip
Access to a worldwide network of hospitals and clinics
Repatriation home
Emergency medical and security expenses, including evacuations to the nearest place of medical excellence or safe haven
Cover in the event of major travel disruptions
Cover for necessary reasonable additional travel and accommodation expenses incurred as a result of advice issued by the British Government, Foreign, Commonwealth and Development Office or equivalent body if that has changed after a trip is booked
Cover for reasonable additional travel and accommodation expenses incurred as a result of enforced and unexpected quarantine
Up to £500,000 cover for kidnap and ransom costs

See our ‘Documents for Personal Accident and Business Travel’ section for full cover details.

Why choose our Personal Accident and Business Travel solution?

We support employees wherever they are, at home, at work, or on the go. Their safety comes first.

We’re by their side every step of the way, providing swift financial support, 24/7 travel assistance, and online physical and mental wellbeing services.

We support your clients in fulfilling their duty of care obligation, enhancing their employee benefits, and aligning with ISO 31030, the global standard for travel risk management.

Our Accident, Health and Travel claims management team has extensive experience in handling medical and security emergencies, ensuring a quick and seamless experience for our customers. Claims can be made online, by email or over the phone.

Online travel risk management

Your clients and their employees will have access to Healix’s Travel Oracle mobile app and Sentinel Travel Tracker.

Travel Oracle

Travel Oracle mobile app, available to Zurich customers at no additional cost, helps travellers to prepare for travel and stay safe whilst abroad.

The app provides instant access to location-specific insight and support - before and during overseas assignments, including a ‘mayday’ function for crisis scenarios.

The app also gives employees a direct link to a dedicated team of medical, security and travel experts, as well as access to risk prevention services and e-learning courses.

Sentinel Travel Tracker

The Sentinel Travel Tracker is designed for travel risk managers and is available for new and existing Business Travel customers at no additional cost.

It provides information about critical incidents that might affect a company’s global workforce. Managers can sign up for country-specific security alerts and notifications, and see an overview of employees on an interactive map.

GPS location data enables quick communication with any employees involved in emergency scenarios.

Online health & wellbeing services

Your clients and their employees will also have access Zurich Plus, powered by Onsi.

Zurich Plus

Zurich Plus gives employees instant access:

Digital GP consultations
Digital physio sessions
Mental-health counselling
Financial-resilience guidance
Family support services

It offers medical and mental health support, and practical help with everything from debt management to everyday parenting challenges.

All services are available at no extra cost to Zurich policyholders and can be accessed in one place via mobile or desktop, helping employees stay healthy, confident and supported wherever they are.