Title here

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Safety during Business Travel
A checklist for internal assessment
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Risks Entailed in Business Travel and the
consequences

• Crisis situations due to terrorist acts / natural
  disasters
  
• Rapid localization of employees
• Evacuation of employees, etc.
• Loss / theft
• Luggage (compensation / replacement)
• Means of payment, travel documents, business
  documents
  
• Equipment (notebook, beamer, mobile phone, etc.)
• Illness
• Medical situation / standard in the target area
• Repatriation medically necessary or advisable?

3
Risks Entailed in Business Travel

• Accident
• Rescue of injured people victims repatriation
• Assault / kidnapping
• e.g. safeguarding the employers costs by sending
  asubstitute employee
  
• COSTS! (Risk for the company)
• Treatment abroad
• Rescue costs
• Return transportation
• Costs of lost equipment
• Costs of travel curtailment, cancellation costs,
  etc.
  
• Success / failure of business trip

4
Practical Examples
Whatever can go wrong, goes wrong and
everything goes wrong at the same time!
(Murphys Law)

• Briefcase is snatched from a businessman in
  Barcelona
  
• All keys, briefcase, mobile phone, passport,
  ticket and presentation are stolen
  
• Taxi runs over businessman as he leaves his hotel
  in Lima, Peru
  
• Double hip fracture with a six-week stay in
  hospital
  
• Private health insurance refuses to pay for
  patients return
  
• Accident with a rented car in Cairns, Australia
• Car in ditch full of water, total loss of luggage
  incl. passport and all means of payment rescue
  costs legal dispute
  
• 1 weeks stay in hospital, rebooking of entire
  remaining journey
  
• Stroke during business travel in Singapore
• Operation, intensive ward for several months,
  repatriation
  
• Total costs 1.3 million euros

5
Business Travel Safety Plan Safety integrated i
nto the business travel process
Corporate Travel Process Pre-trip On-Trip Po
st-Trip
Information prevention
Protection assistance
Loss analysis
6
Business Travel Safety Plan Checklist for inter
nal assessment

• Responsibilities
• Travel manager or special insurance area /
  broker?
  
• Travel structures taken into account when taking
  out insurance?
  
• Analysis of travel structures
• e.g. destinations? Method of transport? Extensive
  travellers? Destinations remote from large
  cities?
  
• Current insurance status
• Company insurances vs. private insurances of
  employees?
  
• Over insured or underinsured? Subsidiarity?
• Statutory regulations taken into account
  (e.g. German Civil
  Code, German Code of Civil Law)?

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Business Travel Safety Plan Checklist for inter
nal assessment

• Internal communication
• Insurance cover known?
• Existence of information portals? (AA, LH, TIP,
  etc.)
  
• Central emergency number for all travellers?
• Travel agency
• Offer for 24-hour emergency plans?
• Software for localization of employees in times
  of crisis?

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Necessary Insurances

• Must have
• Business travel health insurance
• 24-hour assistance incl. emergency call
  insurance
  
• Business travel accident insurance
• Business travel luggage insurance for mobile
  equipment
  
• Could have
• Insurance in case of kidnapping (depending on
  destination, status, etc.)
  
• Business travel liability insurance / legal
  protection insurance
  
• Deductible in the case of hired cars
• Insurance in the case of a delay of flight and
  luggage

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Recommended Course of Action

• Analysis of the current situation
• Prevention through information? BEFORE
• Protection and assistance? DURING
• Loss analysis? AFTERWARDS
• Benchmarking by inviting tenders (according to
  outcome of analysis)
  
• Integration of safety in the business travel
  process
  
• Business travel safety plan

10
Long-Term Advantages

• Taking up the issue of safety through travel
  management (mobility management)
  
• Cost reduction enhanced efficiency through
• Cooperation with specialists
• Extensive insurance protection
• Rapid, unbureaucratic assistance worldwide
• No loss of time through 24-hour assistance
• Concentration on the essential issue the
  business appointment

MEHRWERT
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ELVIA Reiseversicherungen
1949 Helvetia founds ELVIA Reiseversicherungen
in Switzerland 1956 Establishment of the
ELVIA branch Germany 1995 Integrati
on into the Allianz Group 1999 ELVIA and th
e suppliers of the Mondial Assistance Group
merge to form a holding, the Mondial
Assistance Group. This creates ...
... one of the worlds largest travel insurance
and
assistance groups.
12
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We are there for you on business trips worldwide!