Valid worldwide – comprehensive health insurance cover on your business trip
Short business trips frequently mean an additional burden for travellers and their health. DKV Globality offers comprehensive health insurance cover for short business trips by your employees, as well as for foreign guests visiting your company.
Globality CoGenio Business Travel is available for all your company’s employees and business partners who temporarily travel abroad for no more than 90 days in conjunction with their business activities. The duration of insurance can be adjusted simply and flexibly if the period of residence abroad is extended for reasons arising after departing on the trip. In addition, marital or non-marital partners and children accompanying the traveller abroad can also be included in the insurance if desired.
Simple and easy business travel processes
Under the Globality CoGenio Business Travel health insurance plan, you simply purchase a number of travel days per year which you can then use at your discretion. It is not necessary to register the individual travellers. Before setting off on the business trip the Personnel Department should provide the employee with the DKV Globality information sheet, which contains all necessary policy information, a claim form including the confirmation of insurance as well as a form for the visa application.
Comprehensive advisory and assistance services
The scope of benefits includes all outpatient, inpatient and dental treatments by licensed doctors worldwide, as well as evacuation and repatriation costs. In addition, DKV Globality offers comprehensive assistance services which are tailored to the needs of business travellers. We support your employees worldwide, through our 24-hour service with experienced counsellors, doctors and specialists, as well as by guaranteeing the assumption of costs and/ or paying an advance.
The following table of benefits is an extract of the complete scope of benefits and services.
| Inpatient treatment |
- Accommodation in a private or semiprivate room
- Medical treatment (examination, diagnosis and medical services for example radiology, computed tomography (CT), magnetic resonance imaging (MRI))
- Nursing care by qualified nursing staff as directed by a doctor
- Other ancillary costs (for special facilities, e.g. operating theatre, intensive care, laboratory)
- Surgery (including outpatient surgery in lieu of inpatient treatment)
- Drugs and dressings
- Therapies/ physiotherapy
- Therapeutic aids and appliances if prescribed by a doctor as a result of an accident: e.g. cardiac pacemakers, artificial limbs, prostheses
- Transport to the nearest hospital for initial treatment following an accident or an emergency, by an approved emergency service with conveyances appropriate to the situation
- Substitute cash plan benefit for inpatient treatment actually received, but for which no benefits have been claimed from us (€ 25/ $ 32.50/ £ 21 per day)
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| Outpatient treatment |
- Medical treatment (examination, diagnosis and medical services for example radiology, computed tomography (CT), magnetic resonance imaging (MRI))
- Drugs and dressings
- Therapies/ physiotherapy
- Simple therapeutic aids and appliances if prescribed by a doctor as a result of an accident and purchased for the first time (80% of the eligible expenses; vision aids only up to max. € 150/ $ 195/ £ 126)
- Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency, by an approved emergency service with conveyances appropriate to the situation
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| Dental treatment |
- Analgetic conservative dental treatment, including simple fillings
- Reimbursement for the following benefits only if prescribed following an accident: Dentures (e.g. prostheses, bridges, crowns), orthodontic performances, dental laboratory work and materials, as well as restoration of correct functioning of dentures (repairs) (50% of the eligible expenses)
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| Medical assistance |
- 24-hour service with experienced counsellors, own doctors and specialists
- Medical evacuation and repatriation
- Transport of vital drugs
- Information on medical infrastructure (local medical care and names and addresses of multilingual doctors)
- Support and information (by our medical service, second opinion, monitoring of the course of the illness)
- Assumption of costs guarantee and/ or payment of an advance (preparation for a stay in hospital)
- Organizational and financial support services in case of bereavement
- Appropriate additional medical support (information on the nature, possible causes and possible treatment of an illness)
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