Sick or injured during business travel | FAQ

What should I do if I get sick or injured abroad?

In case of an emergency, contact the local emergency number. Once the situation is calm and you need further assistance, please contact +358 10 19 16 99. Our assistance partners offer immediate help 24/7. They have a wide network of medical providers that they cooperate with. They can refer you to a hospital close by and make arrangement for payment guarantees for the planned visit and treatment. They offer service and advice in English and in most Nordic languages. You can also arrange your medical visit yourself and pay for it. Make sure to get your receipts and medical reports - then report a claim afterwards. You can report your claim easily on our website, here.

What clinics or hospitals can I use abroad?

We recommend contacting our assistance partners. The standard of the hospitals/clinics can vary between countries and our assistance partners will help you find the best preferred clinic in their quality controlled network. They can also, in most situations, place a guarantee of payment. and monitor your treatment.

Emergencies: contact local emergency number

Other 24/7 medical assistance: contact +358 10 19 16 99.

Do I need to pay the medical expenses at the clinic?

Unless you have contacted our assistance partner, you should pay for the costs for the examinations and treatment yourself. You will need to buy the medication from the pharmacy. If you have the European Health Insurance Card (EHIC) from your European home country’s authorities and you go to a public hospital in Europe, show the card at the hospital and you will get the treatment for the local price. Only examinations and treatment prescribed by a physician and performed by a health care professional are compensated. Treatment must be necessary, based on medical evidence and in accordance with generally accepted medical knowledge, for the examination or treatment of the travel accident or illness in question.

Does the business travel insurance cover transport to and from the clinic?

Yes, the insurance covers necessary and reasonable expenses for transport to/from hospital. We also cover transportation by ambulance in the acute phase.

What should I do in case of a crisis situation abroad?

If there has been a terror attack or other crisis or catastrophe is going on in your travel destination, you should first check the instructions from your employer. Follow closely also the instructions from the relevant authorities. If you need medical attention, always contact our 24/7 assistance partner – you will find the contact information on your insurance card.

I have a chronic condition. Am I covered by the travel insurance?

You should consider the safety of your journey regarding your state of health in relation to the length, distance and nature of your journey and the destination where you are travelling to. If you have an existing illness prior to the journey and it acutely and unexpectedly deteriorates during your journey and you need medical treatment in a hospital, please contact our assistance partner for further assistance. The assistance partner will guide you to a suitable facility and check if the treatment is covered by your insurance.

I am not able to return as planned to my home country due to sickness or injury - what to do?

Please contact us or our assistance partner, whose contact information you will find on your insurance card. Our assistance partner will help you to get treatment and assist you with a new journey home once you're able to travel. You should first claim compensation for the unused part of your journey from the tour or transport operator, and only then from the insurance company. The insurance can cover additional costs incurred by the new travel arrangements. After you have received compensation from the tour or transport operator, please fill in a claims report.

I have dental pain during my business journey– what to do?

The insurance covers necessary first-aid natured dental treatment to remove acute tooth ache during the journey in the travel destination. Any possible follow-up treatment after returning to your homeland is no longer covered.

How does the travel insurance cover my pregnancy?

The insurance does not cover examination costs due to normal pregnancy, but unforeseen complications and treatment thereof may be covered. Please check the insurance cover from your employer as there may be some exceptions.

While abroad, when should I contact If and when the assistance partner?

In emergency always call the local emergency number. Contact our assistance partner, if you need medical assistance while being abroad, they are available 24/7. Our assistance partner will assist you to get treatment and monitor your situation as necessary and arrange a guarantee of payment to the clinic/hospital.

If you have questions regarding your claim, please contact our claims department within office hours +358 10 19 16 00.

Fill in a claim form on our website, here.