0818 44 44 49
info@businesstravelinsurance.ie
FAQs Businesstravelinsurance.ie
About Businesstravelinsurance.ie
Q - Who are Businesstravelinsurance.ie?
A – Businesstravelinsurance.ie is a domain name of Blue Insurances Limited, who are Ireland’s leading supplier of Travel Insurance. Blue Insurances are based in Plaza 212, Blanchardstown Corporate Park, Dublin 15. Blue Insurances Limited are regulated by the Central Bank of Ireland.
About ACE
Q - Who are ACE?
A - The ACE Group is one of the world’s largest property and casualty insurers employing more than 8000 people in nearly 50 countries around the world. Companies within the ACE Group enjoy strong financial ratings from leading rating agencies.
Cover questions
Q – What does my policy cover?
| Category | Definition of Insured Persons | |||||||
| A | Any Employee of the Policyholder authorised to travel on behalf of and represent the Policyholder in the conduct of the business. | |||||||
| B | Accompanying Partners and Children of Category A travelling with the Knowledge and consent of the Policyholder. | |||||||
| C | Any Director or partner of the Policyholder. | |||||||
| D | Accompanying Partners and Children of Category C travelling with the knowledge and consent of the Policyholder. | |||||||
| Category | Effective Time / Journey Code | Personal Injury Benefit | ||||||
| (For interpretation of codes, see Effective Time and Journey tables on the last page of this schedule) | 1 a) Death * | 2. Permanent Total Disablement from: ** U) 'Usual' or A) 'Any' occupation |
3. Permanent Disabling Injuries: A) 'Any Injury' or S) 'Specified' injury - Loss of Limb(s), eye(s), speech or hearing |
4. Temporary Total Disablement(per week): | 5. Temporary Partial Dialement: | |||
| A | J7 | €50,000 | U | €50,000 | S | €50,000 | Not Insured | Not Insured |
| B | J7 | €50,000 | A | €50,000 | S | €50,000 | Not Insured | Not Insured |
| C | J8 | €50,000 | U | €50,000 | S | €50,000 | Not Insured | Not Insured |
| D | J8 | €50,000 | A | €50,000 | S | €50,000 | Not Insured | Not Insured |
|
* The death benefit for a Child is limited to €10,000. ** Permanent Total Disablement will apply only to those in remunerated employment. For those in non-remunerated employment cover for Permanent Disabling Injuries resulting in 'Any Injury' will apply automatically. |
||||||||
| Aggregate Limits of Liability | Maximum Per Person Limit | |||
| 1. |
per Event for Insured Persons whilst travelling in Any Multi-engined Fixed Wing Aircraft: |
€3,000,000 | (excluding benefits provided by automatic extension) | €50,000 |
| 2. | per Event for Insured Persons whilst travelling in Any Other Aircraft: | €1,500,000 | ||
| 3. | per Event overall: | €3,500,000 | ||
Policy arrangements
Q – Who is insured by the policy
A - All Directors and Employees of the company are insured by the policy. It is also important that each insured person has reviewed and understood the terms of the policy.
Q - Do I have to pay medical expenses and claim them back or will you pay them directly?
A - If it’s a medical emergency and you are admitted to hospital our emergency assistance service (Business Class Assistance + 353 (1) 4401761) will guarantee the fees of the hospital and attending doctor (s) - so you don’t have to pay. In cases where the expenses are small, you may opt to pay, or be asked to pay, and claim the money back. Please talk to our emergency assistance service, unless the case is very minor, and they will decide what to do.
Q – What is the name of the Assistance Company and when should I call them?
A - Business Class Assistance and they can be contacted on + 353 1 4401761. Always contact Business Class Assistance first in the event of inpatient medical treatment or if you wish to curtail home from a trip.
Treatment in Australia
Q - What should I do if I require medical treatment in Australia?
A - The Australian Government has signed Reciprocal Health Care Agreements with the government of the Republic of Ireland. As a resident of the Republic of Ireland you are entitled to free treatment as a public in-patient or outpatient at a public hospital and access to subsidised medicines under the Pharmaceutical Benefits Scheme during your visit to Australia. This covers any ill health or injury needing medical treatment while in Australia. To access these benefits you should show your passport at hospitals or pharmacies.
If you require medical treatment in Australia you must access these benefits by showing your passport at hospitals or pharmacies. If you do not, we may reject your claim or reduce the amount we pay to you.
Business and/or personal trips
Q - Are staff covered for personal holiday trips?
A - Directors (other than non Executive) and their spouse and children are covered by this policy for separate holiday trips but employees are not.
Q - Are Director or Employees covered to extend the business trip with a few days holiday?
A - The primary purpose of your trip must be for business. But you may choose to include leisure travel during your trip. Remember our cover is primarily designed for business travel - so it may not extend to cover all the specific costs/risks associated with your pleasure activities. You should check the policy wording before purchasing. For just holiday insurance check out www.multitrip.com
Excluded Trades
Q - Are there any trades that cannot be covered by this policy?
A - Yes. You cannot buy this policy if your company business is any of the following trades:
- Construction (e.g. jobbing builders, maintenance companies, groundwork contractors, bricklayers, roofers, road layers, motorway maintenance and tunnel/pipe/cable layers);
- Foundry/Steelworks (i.e. involved in the manufacture of raw materials);
- Window Cleaners (domestic and commercial);
- Forestry/Sawmill;
- Mining (both open-cast mining and quarrying);
- Police/Fire & Ambulance Services;
- Professional Sportspeople and Entertainers (where your livelihood depends on you being able to participate in sports, athletics or entertainment);
- Abattoirs & Slaughter Houses;
- Aircrew;
- Agricultural & Horticultural Work;
- Farming & Fish Farming;
- Trawler Men/Women;
- Media Groups.
Residency
Q - I am not Irish but live and work in Ireland, can I purchase a policy cover?
A - Yes, provided you have been resident in Ireland (excluding Northern Ireland) for at least three months.
Age Limit
Q - What is the maximum age limit of an insured on this policy?
A - The maximum age limit is 85 years.
Trip Duration
This policy allows a maximum trip duration on any one trip of up to 31 days.
Medical Conditions
Q - I have a medical condition, can I be covered?
A - Before you buy a policy, we ask you to confirm that you are NOT
- receiving or on a waiting list for treatment in a hospital or nursing home
- travelling against the advice of a medically qualified doctor
- travelling for the purpose of obtaining medical treatment
- travelling after being given a terminal prognosis
Making a claim
Q - How do I make a claim?
A - You can make a claim by calling Ace Europe Claims on + 353 (1) 4401700
quoting ref Blue Insurances Business Class Policy.
Complaints
Q - How can I make a complaint?
A - You can make a complaint by calling businesstravelinsurance.ie on Tel 0818 484 484 or by Calling 01 4401700.