Protecting your employees at home, at work and on the move
Fuelled by our care for innovation and better customer outcomes, our refreshed personal accident and business travel solution helps to fulfil your duty of care to protect employees at home, at work and on the move, enhancing risk mitigation and extending comprehensive protection of employees.
We provide cover for small domestic businesses with basic needs up to multinational businesses requiring flexible and tailored programmes in multiple territories. Our wide range of customers demonstrates our broad appetite for risk with in-house claims handling and the ability to react and adapt to the changing global risk landscape.
As there are no turnover limitations, our appetite covers the majority of UK-based businesses. Businesses with international departments will need to speak to their Zurich contact.
Better outcomes for customers
The extensive range of benefits and services that come as standard with every Corporate Personal Accident and Business Travel policy will help organisations ensure positive outcomes for employees.
They also bolster employers' risk and benefits management, further helping companies to fulfill their duty of care objectives and obligations. Not only that, but our product will help customers comply to the ISO 31030 Travel Risk Management guidance standard, which is increasingly being adopted as the preferred travel risk framework for international organisations.
Enhanced proposition and exciting updates to our product offering
Our comprehensive Corporate Accident & Business Travel product now benefits from some truly useful travel related enhancements. These include; our new wellbeing LiveWell app, the introduction of a GPS tracker to the extended Zurich travel health & security app, new employee homeworking benefits and finally, our innovative heart attack and stroke cover whilst travelling.
LiveWell by Zurich
A mobile app designed to support workforce health, engagement and awareness of healthy wellbeing behaviours through a personalised digital experience.
Healix’s Sentinel Travel Tracker
Healix’s Sentinel Travel Tracker uses GPS supported live mapping of business travellers to allow for real time risk identification, mitigation and response should a situation emerge which would help identify employees potentially at risk, cause a security concern or disrupt travel plans.
Home-working benefit
We've added a home-working benefit for employees who work from home more than 50% of their hours. Included as standard with our Group Personal Accident insurance.
Heart Attack and Stroke cover whilst travelling
An innovative enhancement, made available by Zurich, providing cover for a common cause of death not normally included within a Corporate Personal Accident and Business Travel policy. A clear boost to the welfare of corporate travellers! These are the top 2 causes of death for travellers and the fastest upward trend.
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Product highlights
We’ve got all the covers you’d expect but the following is where our cover really stands out:
Personal Accident
- A range of additional covers including; coma benefit cover, cover for injury which results in permanent facial scarring and cover for cosmetic reconstructive surgery due to an injury.
- Valid claims being paid as quickly as 48 hours from receipt of the appropriate documentation.
- Medical second opinions offering an arrangement for employees to gain access to a medical second opinion on any critical illness they are suffering.
- Corporate Reputation Protection cover which involves providing internal and external stakeholder communications support, brand rehabilitation and recovery services.
- Counselling & Support services for your employees in times of personal need.
- Up to £250,000 funding for catastrophic injury rehabilitation as a supplement to any other personal accident benefit payable.
Home-working benefit
- Employees who work from home and need physio to address an ergonomic injury or mental stress support to address work-related issues can receive up to £350 cover or 5 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
- A range of additional covers including:
- cover in the result of major travel disruptions
- cover for necessary reasonable additional travel and accommodation expenses
- cover for reasonable additional travel expenses that are incurred as a result of advice issued by the British Government, through its Foreign, Commonwealth & Development Office or equivalent body recommending travellers should leave the country in which they are travelling
- cover for reasonable additional travel and accommodation expenses, including as a result of enforced and unexpected quarantine
- Access to the Healix Travel Oracle mobile app, which provides full mobile travel risk functionality and emergency swipe calling to their assistance telephone number as well as giving access to a worldwide network of clinics and various app-based e-learning.
- Medical and Security evacuations to the nearest place of medical excellence or safe-haven
- Repatriation home
- Emergency medical and security expenses
- Up to £500,000 cover for Kidnap and Ransom
- The Healix Travel Sentinel Online Travel Tracker Service
Take a look at our Travel assistance page for more information.
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Travel Assistance and Tracking Applications
Travel oracle app
- An essential tool to help ensure travellers safety and security whilst abroad.
- Available to all customers’ employees.
- Provides instant access to critical insight and support, both before and during overseas assignments.
- Through the app our customers also have a direct link to a dedicated team of medical, security and travel experts as well as access to prevention services, e-learning courses and features supporting the emergency location of travellers.
Healix's Sentinel Travel Tracker
- Available to new and existing Business Travel customers at no charge.
- Healix’s Sentinel Travel Tracker enables your travel risk manager to stay fully aware of critical incidents that might affect the global workforce and enable quick communication in real-time to find out employee safety and to provide help if required.
- Adding a GPS travel functionality to the already impressive suite of tools available to travellers.
- Bolstered by improved travel medical and security information in the app, and an easy link to the Zurich Claims Portal.
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LiveWell by Zurich
LiveWell by Zurich
- A mobile app developed and managed by the Zurich group, available to new and existing Corporate Personal Accident and Business Travel customers at no charge.
- Easy to download on the app stores through a QR code and an activation code specific to your company.
- LiveWell is enabling employers to extend their duty of care to the wellbeing of their workers and help them understand how to take care of ourselves socially, mentally, financially, and physically.
- Designed to help employees stay on top of things while setting their goals and earning rewards at the same time.
Key features
- Virtual GP service through text, voice or video consultations
- Day-to-day wellbeing management
- ‘Boosts’ to engage with employees
- Wellbeing reports are available to employers
- Provides physical, mental, social and financial wellness support, with regular summaries
- Trackers and insights
- Rewards and perks
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