Chubb Business
Travel Insurance
Local Experts, Global Cover
Accident & Health
Chubb Business Travel Insurance Brochure NZ (16PDSBTNZ01) ©2016 Chubb. Coverages underwritten by one
or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb®, its respective logos,
and Chubb.Insured.SM are protected trademarks of Chubb. Chubb14-19-0616
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Chubb Business Travel Insurance
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Chubb Business Travel Insurance Brochure NZ (16PDSBTNZ01) ©2016 Chubb. Coverages underwritten by one
or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb®, its respective logos,
and Chubb.Insured.SM are protected trademarks of Chubb. Chubb14-19-0616
Chubb Business Travel Insurance
Why choose Chubb?
• A new and improved policy with
broad coverage and a host of
additional benefits
• Expert service from local
underwriting and claims personnel
• Access to Chubb Assistance and
red24 for medical, travel and security
advice and assistance services
• A truly global network of expertise
and servicing capability
• Access to the E-placementSM
online insurance solution
Chubb Business Travel Insurance Brochure NZ (16PDSBTNZ01) ©2016 Chubb. Coverages underwritten by one
or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb®, its respective logos,
and Chubb.Insured.SM are protected trademarks of Chubb. Chubb14-19-0616
3
Chubb Business Travel Insurance
One of the greatest
challenges for
any company is
managing the
risk of employees
who are travelling
on business that
become sick, suffer
a serious injury or
find themselves
in a potentially
dangerous
situation.
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Those risks are amplified if the
company’s employees are travelling
abroad and require swift evacuation
from a politically unstable region or a
country where the medical facilities are
inadequate.
Frequent international travel is an
obvious reason to take out Business
Travel Insurance but domestic travel is
more common. It’s on these local trips
that travellers often run into problems
with delayed flights and lost baggage.
Along with the the complex exposures
that arise when employees travel to all
corners of the globe, Chubb Business
Travel Insurance can also provide
coverage for the common risks staff
encounter on New Zealand domestic
journeys.
Our comprehensive policy is supported
by a team of medical, travel and
crisis management specialists who
are available to assist 24/7 when the
unthinkable occurs. Covered travellers
can access these support services
anywhere in the world.
Policy Highlights
Following a strategic review that
considered client needs, broker
feedback and increased claim
complexity, Chubb has launched a new
Business Travel Insurance policy.
Highlights of the policy include:
• The general age exclusion has been
removed, offering a level of cover
to people of all ages
• An automatic extension for incidental
private travel and directors &
executives private travel
• An online portal and smartphone
app allowing policyholders and their
employees to access travel security
and safety information, both pretravel and while on a business trip
• Ground support from specialist
security personnel and/or evacuation
assistance in the event of civil unrest,
natural disaster or a terrorism
incident.
Chubb Business Travel Insurance Brochure NZ (16PDSBTNZ01) ©2016 Chubb. Coverages underwritten by one
or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb®, its respective logos,
and Chubb.Insured.SM are protected trademarks of Chubb. Chubb14-19-0616
Key Features and Benefits
Personal Accident and Sickness
Coverage Highlights
• Accidental death benefit
• Lump sum payments for disablement as a result of injury
• Loss of income benefits
• Benefits for surgery, broken bones and dental
Additional Cover
• Unexpired membership benefit payable to covered persons for
pre-paid membership, association or registration fees
• Daily benefits for covered persons who are in a coma as a result
of an injury
• Home and vehicle modification benefit as result of a PTD,
paraplegia or quadriplegia
• Dependent child and orphaned child benefits for children
survived by a covered person who dies as result of an injury
• Cash advancement to the executor of the estate
Kidnap and Ransom/Extortion
Coverage Highlights
• Reimbursement of extortion or ransom money
• Reimbursement of expenses associated with contracting security
consultants to assist with a kidnap event
Additional Cover
• Trauma counseling for a kidnap victim
Hijack and Detention
Coverage Highlights
• Daily benefit for covered persons forcibly detained as a result
of a hijack
Additional Cover
• Legal costs incurred as a result of being detained
Medical, Evacuation and Additional Expenses
Coverage Highlights
• Medical, evacuation and additional expenses incurred outside
the covered person’s country of residence
• Emergency dental treatment as a result of injury or to resolve on
acute and unexpected onset of pain
• Travel expenses for 2 people known to the covered person who,
due to an injury or sickness, are required to travel to or remain
with the covered person on medical advice
• Ongoing medical expenses incurred after the covered person has
returned to their country of residence
Additional Cover
• Daily cash benefit for bed confinement greater than 48 hours
• Incidental hospital expenses such as telephone, television and
newspapers
• Cover for HIV/AIDS if contracted as a result of an injury
• Trauma counseling for a victim of, or eyewitness to, a criminal
act act such as sexual assault, rape,
Chubb Assistance and Security Advice
Coverage Highlights
• Access to worldwide travel, medical and security assistance
• services including:
• 24/7 worldwide telephone assistance
• Access to advice on lost luggage, emergency travel arrangements
and visa requirements
• Access to medical practitioners for advice and assistance on
medical emergencies
• Medical repatriation
• Ground support or evacuation assistance
Additional Cover
• Country intelligence reports including city guides, security
issues, travel logistics, cultural factors and health advisories;
• Email alerts regarding significant events that may impact travel;
• Customised safety and security briefings for high risk regions
• Smart-phone app which provides
Loss of Deposits, Cancellation & Disruption
Coverage Highlights
• Covers unforeseeable circumstances such as:
• The unexpected death, injury or sickness of the covered person
• Serious injury or sickness to a close relative of the covered
person
• The covered person’s
Additional Cover
• Loss of unrecoverable frequent flyer points
• Funeral, burial or cremation expenses including the costs
incurred transporting mortal remains
• Cover is also provided for the expenses of a close relative to travel
to and/or accompany a covered person’s mortal remains home
• Additional pet boarding expenses if the covered person’s return
is delayed
• Missed transport connection or over booked flight
Chubb Business Travel Insurance Brochure NZ (16PDSBTNZ01) ©2016 Chubb. Coverages underwritten by one
or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb®, its respective logos,
and Chubb.Insured.SM are protected trademarks of Chubb. Chubb14-19-0616
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Chubb Business Travel Insurance
Key Features and Benefits (continued)
Alternative Employee/Resumption of Assignment Expenses
Coverage Highlights
• Costs incurred sending a substitute employee to complete the business of the covered person who cannot complete travel due to their
death, injury, sickness, or any other unforeseen circumstance
• Costs incurred with the covered person re-commencing travel within 90 days of returning home as result of the above
Baggage and Travel Documents
Coverage Highlights
• Includes loss, theft of or damage to:
• Personal and business property
• Money and travel documents
• Electronic equipment
• Delayed or misdirected baggage
Additional Cover
• If a covered person is hospitalised or evacuated and then
separated from their belongings, the cost of returning their
belongings is covered
• If the covered person’s home is burgled while they are travelling,
cover is provided for the excess payable under their home
contents insurance policy
• Cash and business property is covered for 72
Personal Liability
Coverage Highlights
• Cover for the traveller’s legal liability to pay damages in respect to
an accident which results in:
• Injury to other people
• Loss of or damage to another person’s property
• Legal expenses recoverable by the claimant and in the defense
of a claim
Additional Cover
• Daily benefit for covered persons who are required to attend
court in connection with an event under this section
Rental and Personal Vehicle Excess
Coverage Highlights
• Excess payable due to a rental vehicle being stolen or damaged
• Excess payable due to a personal vehicle being involved in
a collision
Additional Cover
• Rental vehicle excess cover for 24-hours before and 24-hours after
a journey
• Towing fees not ordinarily covered as a result of damage that
renders the vehicle undriveable. This also applies if the covered
person suffers an injury or sickness which deems them unfit
to drive
Political and Natural Disaster Evacuation
Coverage Highlights
• Expenses related to immediate evacuation because of war,
civil unrest, political instability or a major natural disaster
Additional Cover
• Specialist security services providing necessary assistance to
covered persons due to a serious risk to their personal safety
and/or security
Search and Rescue Expenses
Coverage Highlights
Search and rescue expenses if a covered person is reported missing and requires the local authorities to initiate a search and rescue operation
Note: The above benefits are subject to the terms, conditions, definitions, limits and exclusions as set out in the Policy Wording.
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Chubb Business Travel Insurance Brochure NZ (16PDSBTNZ01) ©2016 Chubb. Coverages underwritten by one
or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb®, its respective logos,
and Chubb.Insured.SM are protected trademarks of Chubb. Chubb14-19-0616
Chubb Travel
Services
E-placementSM
E-placementSM is the online solution
that Chubb has developed for brokers
to obtain instant and secure quotes on
Business Travel Insurance.
The system gives brokers the capability
to bind, endorse and renew our
Business Travel policies online in a
matter of minutes.
Additional benefits of using
E-placementSM, include:
• competitive rates
• systematic solution from application
to renewal
• no need for policy application forms
to be completed and submitted
• 24-hour access that eradicates the
need to wait for an underwriting
response on standard risks
• policy documentation and schedules
are issued instantaneously
• message board functionality creates
a communication audit trail with your
underwriter.
red24
Travel Security Advice & Assistance
Dial +64 9 374 1775 and select Option 2
Chubb has partnered with red24, a
crisis management assistance company,
to provide policyholders and covered
travellers with a range of travel security
services. This includes:
immediate access to security experts for
any security or safety concerns
ground support and/or evacuation
assistance in the event of civil unrest,
natural disaster or a terrorist incident
concerns about identity being
compromised due to a data breach
Note that these services can only
be accessed if registered. Refer to
the registration details in the Policy
Wording.
Assistance Services
When a company purchases Chubb
Business Travel Insurance, their
employees are instantly covered by
Chubb Assistance and Security Advice.
Chubb Assistance
Travel and Medical Assistance
Dial +64 9 374 1775 and select Option 1
Chubb Assistance supports the
business traveller with a range of
emergency medical advice and travel
assistance services. A team of medical
practitioners and travel specialists are
available to assist 24 hours a day, 7 days
per week.
Chubb Business Travel Insurance Brochure NZ (16PDSBTNZ01) ©2016 Chubb. Coverages underwritten by one
or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb®, its respective logos,
and Chubb.Insured.SM are protected trademarks of Chubb. Chubb14-19-0616
7
Chubb Business Travel Insurance
About Chubb
Contact Us
Chubb is the world’s largest publicly
traded property and casualty insurer.
Chubb’s operation in New Zealand
(Chubb Insurance New Zealand Limited)
offers corporate Property & Casualty,
Group Personal Accident and corporate
Travel Insurance products through
brokers.
Please contact the following should
you have any queries:
More information can be found at
www.chubb.com/nz.
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Auckland
CU1-3, Shed 24
Princes Wharf
Auckland 1010
O +64 9 377 1459
F +64 9 303 1909
Wellington
The Bayleys Building
Level 9, 171-179 Lambton Quay,
Wellington 5154
O +64 9 377 1459
Any advice in this brochure is general only. Before acting on this advice, please consider your objectives, financial
situation or needs. This brochure is intended to provide only a general description of the products and associated
services offered by Chubb Insurance New Zealand Limited. We recommend that a potential purchaser thoroughly
examine any of our policy offerings and consult with an appropriate expert to be certain of the precise nature of
its details. Potential purchasers should contact Chubb or their broker and/or insurance agent for further advice.
©2016 Chubb.
underwritten
by one
more subsidiary
companies.
Not all coverages
available
all
Chubb
BusinessCoverages
Travel Insurance
Brochure
NZ or
(16PDSBTNZ01)
©2016
Chubb. Coverages
underwritten
by in
one
®
, its respective
logos,
and Chubb.Insured.
are protected
trademarks
of Chubb.logos,
jurisdictions.
Chubb
or
more subsidiary
companies.
Not all
coverages
available in allSMjurisdictions.
Chubb®,
its respective
SM
and Chubb.Insured. are protected trademarks of Chubb. Chubb14-19-0616
Chubb14-19-0616