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Health insurance for business travel ?

Milton Keynes...
posts: 8
Health insurance for business travel ?

My husband has been asked to undertake a short trip to China to check on some development work being done in a manufacturing company there.

Our normal travel insurer will give him health cover and normal travel cover for his trip as long as he is not undertaking manual work, which he won't be. Although it is quite difficult to get a definition of manual work - the insurer says anything with moving parts! Or in a factory.

This however raised the question if he is asked to demonstrate anything like soldering, which he should not be asked to do, and would have to refuse to do if asked, but this could be potentially embarrassing for him. It's never good to say "no" to a client.

Can anyone recommend how I can find travel insurance that will give non-manual and manual work options. It is very important to have pre-existing health conditions cover as he is in his 60s. I am beginning to get the impression that travellers like him are expected to have more than one travel policy, one to cover health and general things like luggage and cancellation, and another to cover things like work and accident. But I am having difficulty finding this out as I don't know where to start. Any names of insurers who concentrate on business/work travel?

Thanks for any advice.

15 replies to this topic
Houston, Texas
Destination Expert
for Solo Travel
posts: 11,402
reviews: 182
1. Re: Health insurance for business travel ?

My employer covers me for business-related travel and tasks - is your husband employed or self-employed?

Edited: 1:06 pm, March 27, 2014
Milton Keynes...
posts: 8
2. Re: Health insurance for business travel ?

Self employed. Sorry I didn't make that clear.

Houston, Texas
Destination Expert
for Air Travel, Business Travel
posts: 7,067
reviews: 81
3. Re: Health insurance for business travel ?

You need to ask the insurance company. All we can do is speculate. I would speculate that demonstration or instruction is not manual labor.

Milton Keynes...
posts: 8
4. Re: Health insurance for business travel ?

Thanks yes I am talking to a couple of insurance companies so I have moved on a bit. I was hoping there might be travellers on here who have dealt with this (must be quite ordinary) situation and knew what the solution is :-D I wonder if there is a more specialist business travel forum anywhere? I Googled and it led me here, but I am finding that just because Google (or someone's website) has a "business travel" tag, doesn't mean it really has much to do with business travel - most of the insurers Googling turns up are just using "business travel" as a tag to get visitors to their websites ... they don't actually have anything specific to offer. Annoying :-(

Houston, Texas
Destination Expert
for Solo Travel
posts: 11,402
reviews: 182
5. Re: Health insurance for business travel ?

Yes, TripAdvisor - and this forum, in general - are not very specific. Plus, there are forum guidelines about soliciting (not saying why lack of responses). But, this forum is not very well read. You might try flyertalk, here.

https:/…1500536-travel-medical-insurance.html

Milton Keynes...
posts: 8
6. Re: Health insurance for business travel ?

Thanks I had a look round that one but there isn't very much about insurance and then it wouldn't sign me up, their security image seems not to be working!

I think I'm going to have to try trawling brokers to find out more ... Thanks anyway!

London, United...
posts: 28
7. Re: Health insurance for business travel ?

In the event that you travel customarily on business, you ought to dependably convey a business travel protection strategy. While it is conceivable to buy an approach that will blanket a solitary trek, for general business voyages, yearly business travel protection arrangements are regularly a superior arrangement. Protection plans for business travel are normally less expensive than customary protection arrangements, contingent upon scope needs. It is additionally less expensive to buy domesticated business travel protection plans than protection scope for worldwide business voyages.

Milton Keynes...
posts: 8
8. Re: Health insurance for business travel ?

Thank you for that note. In fact I am discovering that business dedicated travel tends to come as annual, which I hadn't realised. I am now talking to Towergate, who have so far been helpful for a business of our size ie very small, run by two people of older years ie in our 60s.

I don't know if it is allowable to mention this, but I don't see why service should not be mentioned. I have had good recommendations from other people on forums in the past, which I am grateful for. Of course I have no claims experience with any company in this context, but this progress is a start!

Chester, United...
Destination Expert
for Cheshire
posts: 2,686
9. Re: Health insurance for business travel ?

When I was self employed I used Atlas a number of times for business trips to the USA. Last time was about 4 years ago and back then they did have specific policies for business trips. I don't know about the manual labour part as it did not apply to me. Worth a look though.

Milton Keynes...
posts: 8
10. Re: Health insurance for business travel ?

Thank you for that reference. I haven't heard of Atlas before, owing to my lack of experience with business cover, but I shall keep it.

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