GroupSecure® Business Travel Accident

How Can a Business Travel Accident Policy Protect Your Business?In today’s global market, businesses need to travel to ever-expanding destinations in order to reach their clients and

find new opportunities. Yet today’s business travelers face many risks; from the inconvenience of a delayed flight, to the

life-threatening experience of a medical emergency or terrorist attack. With a GroupSecure Business Travel Accident

Policy from Tokio Marine HCC - MIS Group, you will have the peace of mind that your employees and your business will be

protected no matter how big or how small the situation. Allow us to manage your business travel risk so that you can focus

on what you do best, growing your business!

Accidental Death Accidental Dismemberment Accidental Medical Expense Benefit Accidental Severe Burn and Disfigurement Aircraft Hijacking Benefit Baggage Delay Benefit Bereavement and Trauma Counseling Benefit Bomb Scare or Terrorism Benefit Brain Damage Benefit Brain Death Benefit Burial and Cremation Benefit Carjacking Benefit Child Care Expense Benefit Coma Benefit Common Accident Benefit Common Carrier Benefit Commutation Benefit Continuation of Insurance Expense Benefit Elder Survivor Care Benefit Exposure and Disappearance Extraordinary Commutation Benefit Family and Loved Ones Reunion Benefit Family Income Benefit Felonious Assault and Violent Crime Benefit Heart or Circulatory Malfunction Benefit Home Alteration and Vehicle Modification Home Health Care Benefit Hospital Admission Guaranty Benefit Hospital Confinement Benefit Kidnap and Extortion Consultant Expense Benefit Kidnap and Ransom Expense Benefit Loss of Travel Documents Lost Baggage Benefit Medical Emergency Evacuation Benefit Natural Disaster Evacuation Benefit Out of Country Medical Rider Pandemic Emergency Evacuation Benefit Permanent Total Disability Personal Liability Benefit Personal Property Benefit Physical, Occupational, and Speech Therapy Benefit Political Emergency Evacuation Benefit Private passenger Benefit Rehabilitation Benefit Repatriation of Remains Benefit Repatriation Reunion Benefit Return of Minor Children Benefit Search and Rescue Expense Benefit Seatbelt and Airbag Benefit Survivor Education Expense Benefit Temporary Total disability Weekly Benefit Trip Cancellation Benefit Trip Delay Trip Interruption Benefit Vocational Training Expense Benefit

Travel InconvenienceWhether it’s snow, air traffic control, or a computer glitch, it doesn’t take much to make a mess of a travel itinerary. If your employees experience a travel delay, lost baggage, or even a lost passport, we can help cover the costs to make things right, while working with you in real-time to get you where you need to be. Sometimes an unforeseen event can cause a business trip to be cancelled or to be cut short. We can help ensure that those additional unexpected travel expenses don’t end up taking a bite out of your bottom line.

Medical EmergenciesEmployee health and safety is the number one priority of any business. Yet, many firms aren’t prepared to respond to a medical emergency that may occur during a business trip. With GroupSecure Business Travel Accident coverage your employees are only one call away from the assistance they need. With 24/7 access to our Nurse Helpline, employees have immediate access to a registered nurse who can answer medical questions and can even direct them to the best medical facility nearest them. In the case of a critical medical emergency, we can arrange a medical evacuation to transport your employee to a facility which can provide proper medical care.

Specialized Business Travel RisksEvery business is unique and faces its own set of risks. Sometimes a more specialized insurance solution is needed in order to properly protect the exposure to your business. Our GroupSecure Business Travel Accident coverage is robust and flexible enough to cover even the most challenging business travel situations. Using a client-specific quote process, we can create a tailored policy solution which can include coverage for policyholder-owned aircraft, travel into war risk countries, coverage for hazardous activities, and more.

Available Benefits

Note: Not all benefits are available in all states. Please contact us today to see what we can provide for you.

Family and Loved One Reunion BenefitWhat is Covered? If a covered employee is hospitalized and would like a family member or loved one to visit while they are confined to a hospital, this benefit will pay for the visitor’s travel and accommodations cost.(Note: This benefit is subject to the terms and conditions of the policy and state availability restrictions apply.)

How Does This Help My Business?The employee and their family will view your business as prepared and responsive to emergency situations, thereby improving employee morale and lowering the risk of adverse legal action.

What Sets Tokio Marine HCC - MIS Group Apart? Some competitors limit this benefit to only immediate family members such as a father, mother, sibling, child, etc. We have expanded the benefit to allow the insured person to choose any person they would like to join them, which could include a friend, partner, or any other loved one.

Natural Disaster Evacuation BenefitWhat is Covered?If a covered employee is in a location that is struck by a natural disaster and is in imminent danger, we will evacuate them to a place of safety.(Note: This benefit is subject to the terms and conditions of the policy and state availability restrictions apply.)

How Does This Help My Business?This coverage enables your business to respond immediately to a threat to your employee’s safety and can prevent a dangerous situation from escalating into something much worse. This ensures the safety of your employees, and can protect business continuity.

What Sets Tokio Marine HCC - MIS Group Apart? Some competitors require a local government to declare an area a disaster area or to declare an official state of emergency for this benefit to become payable. This can cause delays and uncertainty if a local government is slow to respond to an event. Our policy allows our assistance provider to activate this benefit based on their own assessment of the situation on the ground, or even preemptively evacuate a covered traveler if there is advance warning of a natural disaster. With Tokio Marine HCC - MIS Group, you can stay one step ahead.

Seatbelt and Airbag BenefitWhat is Covered?If a covered employee is killed or dismembered in an auto accident while wearing a seatbelt and an airbag properly deployed, we will pay the benefit amount.(Note: This benefit is subject to the terms and conditions of the policy and state availability restrictions apply.)

How Does This Help My Business?This benefit provides an additional accident benefit amount to a covered employee who may have been killed or dismembered in an auto accident. This benefit helps your business meet duty of care requirements, and reduces the threat of adverse legal action against your

business.

What Sets Tokio Marine HCC - MIS Group Apart?Many competitors limit this benefit to be payable only if a covered employee dies as a result of an auto accident. However, cars are much safer today, and you are more likely to survive a severe accident. We have expanded our policy to also make this benefit payable if a covered employee suffers any condition on our covered dismemberment schedule, which can include paralysis and other injuries which are much more likely to be the result of a severe auto accident than death.

What Sets Tokio Marine HCC - MIS Group Apart? Comprehensive BTA Coverage

Contact us

A member of the Tokio Marine HCC group of companies

MIS-BTA@tmhcc.comTel: 317-221-8081

KHE2FFFYH6SP-152-613

Tokio Marine HCC - Medical Insurance Services GroupThe Medical Insurance Group, a member of Tokio Marine HCC, is a recognized leader providing coverage to customers in more than 130 countries around the globe. Writing on behalf of HCC Life Insurance Company, U.S. Specialty Insurance Company, HCC International Insurance Company PLC and Lloyd’s of London, we offer a comprehensive range of services to meet a variety of needs. With a focus on delivering effective solutions, we specialize in the areas of International Accidental Death & Dismemberment; International Group Medical; International Medical; International Student Medical; International Term Life; International Travel Medical; London Market, Accident & Health; Short Term Medical and Student Accident insurance.

Tokio Marine HCCTokio Marine HCC is a leading specialty insurance group underwriting more than 100 classes of specialty insurance in approximately 180 countries. Headquartered in Houston, Texas, the company is made up of highly entrepreneurial teams equipped to underwrite special situations, companies, and individuals. Tokio Marine HCC is part of Tokio Marine, a premier global company with a market capitalization of approximately $30 billion.

Family and Loved One Reunion BenefitWhat is Covered? How Does This Help My Business?If a covered traveler is hospitalized and would like a family member or loved one to visit them while they are confined to a hospital, this benefit will pay for the visitor’s travel and accommodations cost. (Note :This benefit is subject to the terms and conditions of the policy and state availability restrictions apply.)

The employee and their family will view your business as prepared and responsive to emergency situations, improving morale and lowering the risk of adverse legal action.

Why is Tokio Marine HCC Better Than The Rest?Many competitors limit this benefit to only Immediate Family Members such as a Father, Mother, Sibling, Child, etc. We have expanded the benefit to allow the Insured Person to choose any person they would like to join them which could include a friend, romantic partner or any other loved one.

Natural Disaster Evacuation BenefitWhat is Covered? How Does This Help My Business?If a covered traveler is in a location that is struck by a natural disaster and is in imminent danger, we will evac-uate them to a place of safety, or back to their place of residence if necessary.(Note :This benefit is subject to the terms and conditions of the policy and state availability restrictions apply.)

This coverage enables your business to respond immediately to a threat to your employee’s safety and can prevent a dangerous situation from escalating into something much worse. This ensures the safety of your employees, and can protect business continuity.

Why is Tokio Marine HCC Better Than The Rest?Many competitors require a local government to declare an area a disaster area or to declare an official state of emergency for this benefit to become payable. This can cause delays and uncertainty if a local government is slow to respond to an event. Our policy allows our assistance provider to activate this benefit based on their own assess-ment of the situation on the ground or even preemptively evacuate a covered traveler if there is advance warning of a natural disaster. With Tokio Marine HCC you can stay one step ahead.

Seatbelt and Airbag BenefitWhat is Covered? How Does This Help My Business?If a covered traveler is killed or dismembered in an auto accident and they were wearing a seatbelt and an airbag properly deployed, we will pay the benefit amount.(Note :This benefit is subject to the terms and conditions of the policy and state availability restrictions apply.)

This benefit provides an additional accident benefit amount to a covered employee who may have been killed or injured in an auto accident. This benefit helps your business meet duty of care requirements and reduces the threat of adverse legal action against your business.

Why is Tokio Marine HCC Better Than The Rest?Many competitors limit this benefit to be payable only if a covered employee dies as a result of an auto accident. However, today cars are much safer and you are more likely to survive a severe accident. We have expanded our language to also make this benefit payable if a covered employee suffers any condition on our covered Dismember-ment schedule which can include paralysis and other injuries which are much more likely to be the result of a severe auto accident than death.