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Business Travel Insurance

Business travel insurance

Business travel insurance is a specialised policy that protects corporate travellers from travel-related risks on work trips abroad, such as lost passports, delayed baggage, missed connections or sudden medical emergencies. It’s designed for professionals travelling internationally for work, ensuring that unexpected setbacks don’t derail important meetings or plans during your trip.

With business travel surging again globally, worldwide corporate travel spending is projected to hit $1.57 trillion in 2025, and more professionals are flying overseas frequently for work. In fact, there has been a 32% increase in Indians taking two or more international trips per year, reflecting how common frequent business trips have become. 

Travel insurance is essential in this scenario, not only because many countries now require it for visas or entry, but also as a safeguard against unpredictable disruptions like flight delays, missed connections or baggage loss. For example, a travel insurance policy can reimburse your non-refundable expenses for payments done prior to, if your trip is cancelled unexpectedly. It can also help you obtain a new passport if yours is lost, so that your work can continue uninterrupted.

IndusInd General Insurance (formerly Reliance General Insurance) makes it easy to stay covered on your business trips. Our digital-first approach ensures that any travel emergencies you face are addressed swiftly with our IndusInd Insurance App. We keep you protected at every step of your journey so that you can focus on your business abroad with confidence.

Why 8 Crore+ Travellers Trust Us?

Whether it’s a sudden schedule change or an overseas medical emergency, IndusInd Business Travel Insurance keeps frequent flyers moving with quick, cashless support and 24×7 assistance. With fast online purchase, simple claims and single-trip or annual multi-trip options, we help you stay protected and on schedule wherever work takes you.

Up to USD 500,000 worldwide cover

Up to $500,000 Worldwide Cover

High medical limits for international work trips!

24/7 global assistance

24×7 Global Assistance

Get help anywhere in the world, anytime!

Cover for flight cancellations

Cover for Flight Cancellations

Fast, streamlined claim processing!

No pre-policy medicals

No Pre-Policy Medicals

Apply online, pay and download instantly!

Benefits of Buying Business Travel Insurance

Missed Connection Before a Big Meeting

Your first flight lands late, and you miss the onward leg. While you focus on rearranging the meeting, we step in with delay/interruption benefits and offer coverage for extra hotel nights and meal allowances up to USD 500*. This way, you can get back on schedule without derailing your work plan.

Passport Lost on the Way to the Consulate

A crowded metro ride, and your passport goes missing. When this happens, we guide you through the next steps, connect you with the embassy, and cover the issuance costs for an emergency travel certificate or replacement passport. Support is available round-the-clock, so your trip can continue smoothly.

Sudden Illness Overseas

You wake up unwell a day before your presentation. Not to worry, as we arrange cashless treatment at hospitals (if the hospitals accept a GoP). You get timely care while we handle the logistics, keeping health emergencies from turning into business crises.

Baggage Delayed, Presentation Tonight

Your bag didn’t make it, but the client demo can’t wait at your new workplace. We offer up to USD 60/day* so you can cover essentials like clothing and toiletries and head to the venue prepared. If the bag is declared lost by the airline, we cover that too.

Flight & Trip Cancellations

Last-minute emergencies can disrupt even the best-planned itineraries. If you find that you need to cancel your trip due to a family emergency or a sudden illness, you can claim non-refundable costs like your hotel bookings and flight tickets using your travel insurance policy

Emergency Cash

The constant commutes from your hotel room to business meetings can have you misplacing your belongings in the rush. So, if your wallet is ever lost while overseas, our assistance team will coordinate emergency cash up to USD 300* so you can cover the essentials: transport, meals and lodging, and keep your business schedule on track.

Types of Business Travel Insurance Plans

IndusInd General Insurance (formerly Reliance General Insurance) offers business-focused cover for international work trips, whether it’s a single client visit or multiple journeys across regions in a year. Choose the format that matches how often you fly and where work takes you.

Single-trip business insurance

1

Single-Trip Business Insurance

Ideal for occasional work travel or a one-off assignment. Protection applies to one defined journey, from your start date to your return, covering common business travel risks with benefits designed for professionals on the move.
Buy Now
Multi-trip business insurance

2

Multi-Trip Business Insurance

Built for frequent flyers. One policy covers every trip you take within a year, typically with a per-trip duration cap of 35-45 days*. Stay protected against medical emergencies, delays, baggage loss and passport issues across multiple journeys.
Buy Now

IndusInd Business Travel Insurance: Inclusions & Exclusions

What is Covered?

Covered

Medical Emergencies: Covers emergency medical treatment abroad, including dental treatment.

Covered

Personal Liability: Covers third-party liability like property damage, bodily injury or death, caused unintentionally by you, as per the policy terms.

Covered

Trip & Baggage Delay: If your journey is delayed due to medical emergencies, bad weather or job loss, expenses are covered. Baggage delays of 12+ hours are also covered.

Covered

Pre-Existing Diseases: If a pre-existing disease becomes life-threatening during your business trip, emergency treatment costs are covered as per policy terms.

Covered

Lost Passport: If you lose or misplace your passport during your business travel, the replacement costs for the same are covered.

What is Not Covered?

Not covered

Planned Treatment: Travel undertaken solely for medical care, surgery or cosmetic procedures is not covered under business travel plans.

Not covered

Undisclosed Pre-Existing Diseases: Medical emergencies from undeclared pre-existing diseases will not be covered. 

Not covered

Maternity-related Treatments: If you are over 30 weeks pregnant, any medical expenses for childbirth or related complications during the trip aren’t covered.

Not covered

Legal Violation: Expenses stemming from legal issues, including when authorities seize your passport during the trip, are not covered under the plan.

Not covered

Self Negligence: If you miss your flight or lose your passport due to personal delays or negligence, the expenses related to it will not be covered under the plan.

Disclaimer: Please refer to the official policy document for detailed inclusions and exclusions.

How to Buy IndusInd Business Travel Insurance?

IndusInd General Insurance offers single and annual multi-trip business travel insurance plans to help you secure your business trip financially. Follow these simple steps to buy our business travel insurance plan:

1
Step
Visit the website
Visit the Website

First and foremost, go to the Travel Insurance page on our official website.

2
Step
Pick your plan
Pick Your Plan

Choose between the ‘Individual’ and ‘Annual Multi-Trip’ Travel Insurance.

3
Step
Input travel details
Input Travel Details

Provide the essential information, like your travel destination, trip duration & contact details. 

4
Step
Select plan and verify
Select Plan & Verify

Understand the different policy inclusions & benefits, and complete KYC verification.

5
Step
Pay and download policy
Pay & Download Policy

Pay the applicable premium online and get your plan instantly via email

Need Help?

Schedule a callback

How to Claim IndusInd Business Travel Insurance

Medical Claim

1

For medical claims on a work trip, contact us by helpline or email with your policy number.

2

Confirm if the hospital accepts cashless treatments and submit the claim form.

3

IndusInd Care (formerly Reliance Care) will review your claim and documents.

4

On approval, we’ll issue a Guarantee of Payment (GoP) to the hospital.

5

If cashless/GoP isn’t accepted, you can file a reimbursement claim.

Non-Medical Claim

1

Contact us by helpline or email for baggage delays, trip cancellations, or other issues.

2

Fill out the claim form and collect the required documents.

3

You may need your passport copy, tickets, airline emails or an FIR/police report.

4

IndusInd Care will assess your claim and confirm the decision.

5

Once approved, we’ll disburse the eligible compensation to you.

Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support.

Factors to Consider While Buying Business Travel Insurance

Coverage

Coverage 

Before purchasing business travel insurance online, evaluate your coverage needs. This can be things like whether you’ll be travelling multiple times during the year, checking if the plan offers a high enough sum insured in case you’re travelling to countries like the USA, where the cost of living is higher.

Exclusions

Exclusions

Get a detailed understanding of the policy exclusions so that you can avoid being surprised when filing a claim. Also, check coverage limits under the policy. For example, check how much reimbursement you’re offered for events like medical emergencies, and the minimum waiting time for when delays and baggage delays are covered.

Claim settlement process

Claim Settlement Process

Filing a claim from a distant land could get confusing. Hence, make sure that the claim process is simple, quick and efficient with quick verification and 24×7 support. With a high claim settlement ratio* IndusInd Business Travel Insurance moves your claim from intimation to payout swiftly and transparently.

Premium cost

Premium Cost

You must keep in mind the policy inclusions that you can avail of with your choice of premium. Compare various plans to find the most suitable coverage for your needs. To make this process easier, you can use our premium calculator to get quick quotes.

Author - Location Travel

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

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4.7 ★ ★ ★ ★ ★ (45)
Amballa Sanyasi Naidu

Amballa Sanyasi Naidu

Trimulgherry

star

4

Value for money

I had a positive overall experience while applying for Travel insurance. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.
Bhavin Prabhu Lalsengani

Bhavin Prabhu Lalsengani

Thane

star

5

Quick policy issuance

Buying a Travel policy through the platform was straightforward and quick. It met my requirements well and felt tailored to my needs.
Nilesh Rajendragirase

Nilesh Rajendragirase

Thane

star

4

Seamless digital experience

I recently purchased my Travel insurance from Reliance (now IndusInd) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.
Roshan Kumar

Roshan Kumar

New Delhi

star

5

Quick policy issuance

I had a positive overall experience while applying for Travel insurance from Reliance (now IndusInd) . I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs. The convenience and clarity made this a good experience.
Naveen Chanderbhatt

Naveen Chanderbhatt

New Delhi

star

4

Seamless digital experience

I recently purchased my Travel insurance and found the experience very smooth. It aligns well with what I needed from an insurance policy.
Vivek  Pathak

Vivek Pathak

Rangareddy

star

5

Quick policy issuance

I had a positive overall experience while applying for Travel insurance from Reliance Insurance (now IndusInd Insurance) . It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.
Jani Bashashaik

Jani Bashashaik

Rangareddy

star

5

Quick policy issuance

I had a positive overall experience while applying for Travel insurance from Reliance (now IndusInd). I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time. I'm happy with how everything went and feel secure with my policy.
Madhu Smita Parida

Madhu Smita Parida

Rangareddy

star

5

Quick policy issuance

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.
Yogya  Kolliboina

Yogya Kolliboina

Rangareddy

star

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.
Saroja  Kolliboina

Saroja Kolliboina

Rangareddy

star

5

Quick policy issuance

From start to finish, the process of getting my Travel insurance was convenient. I felt that my protection needs were well addressed with this policy.
Syam Prasadkolliboina

Syam Prasadkolliboina

Rangareddy

star

5

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy.
Kishore

Kishore

Ramanathapuram

star

5

Quick policy issuance

I had a positive overall xperience while applying for Travel insurance with Reliance Insurance (now IndusInd Insurance). The plan offered exactly the type of coverage I was expecting. I did not feel the need for any other products at this time.
Sevika M Shetty

Sevika M Shetty

Panchkula

star

4.5

Seamless digital experience

I recently purchased my Travel insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. The convenience and clarity made this a good experience.
Hadamata Ram

Hadamata Ram

Palghar

star

5

Quick policy issuance

From start to finish, the process of getting my Travel insurance was convenient. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons. Overall, it was a seamless experience with Reliance General Insurance (now IndusInd General Insurance) and I am satisfied.
Himanshu  Marwal

Himanshu Marwal

Nainital

star

4.5

Seamless digital experience

I recently purchased my Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras.
Shiv Prasad Yadav

Shiv Prasad Yadav

Mumbai

star

5

Quick policy issuance

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.
Padmanabhan

Padmanabhan

Mumbai

star

5

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.
Alpabharat Gala

Alpabharat Gala

Mumbai

star

5

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.
Pradip Kumar C Patel

Pradip Kumar C Patel

Mumbai

star

4.5

Seamless digital experience

From start to finish, the process of getting my Travel insurance from Reliance (now IndusInd) was convenient. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.
Rakhee Mitesh Rohira

Rakhee Mitesh Rohira

Mumbai

star

4

Seamless digital experience

Buying a Travel policy through the platform was straightforward and quick. It met my requirements well and felt tailored to my needs. I did not feel the need for any other products at this time.
Abijith Chandrap

Abijith Chandrap

Kottayam

star

5

Quick policy issuance

I had a positive overall experience while applying for Travel insurance with Reliance (now IndusInd). It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage. I'm happy with how everything went and feel secure with my policy.
Ramanji

Ramanji

Bengaluru

star

5

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.
Gawande Sapna Tej Rao

Gawande Sapna Tej Rao

Akola

star

5

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.
Jitendra Bhaiganapat Ram Raval

Jitendra Bhaiganapat Ram Raval

Ahmedabad

star

5

Quick policy issuance

I had a positive overall experience with Reliance Insurance (now IndusInd Insurance) while applying for myTravel insurance. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.
Nayan Bhai Narshi Bhaivariya

Nayan Bhai Narshi Bhaivariya

Ahmedabad

star

5

Quick policy issuance

Buying a Travel policy from Reliancre General Insurance (IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.
Ahmar T

Ahmar T

Ghaziabad

star

4

Value for money

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.
Pari K

Pari K

Kalyan-Dombivali

star

5

Seamless digital experience

My office trip was confirmed suddenly. I bought the travel policy online, downloaded the copy, and shared it with my office the same day.
Amarpreet Singh

Amarpreet Singh

Punjab

star

5

Easy application

I was confused between baggage delay and trip cancellation. The advisor explained the difference clearly, so I chose what was actually useful for my trip.
Giju Rojijohn

Giju Rojijohn

Kerala

star

5

Quick policy issuance

I realised at the last moment that I needed the policy before leaving for the airport. Bought it quickly on my phone and kept the copy with my travel papers.
Madhusmita Parida

Madhusmita Parida

Rangareddy

star

5

Seamless digital experience

After finalising my itinerary, I bought the travel policy on the app. Adding the destination, dates and traveller details was straightforward.
Roshan Kumar

Roshan Kumar

South West Delhi

star

5

Value for money

I didn't need a big plan for a short holiday. I chose travel cover only for my actual trip days, so the price felt fair.
Yogya Kolliboina

Yogya Kolliboina

Rangareddy

star

5

Easy application

This was my first time buying travel insurance myself. I kept my passport and ticket details ready, and the form was simple enough to complete without help.
Amballa Sanyasi Naidu

Amballa Sanyasi Naidu

Thane

star

5

Value for money

I was buying travel insurance for a family holiday. The advisor explained medical cover and baggage benefits, so I could choose one plan for all of us.
Nilesh Rajendra Girase

Nilesh Rajendra Girase

Thane

star

4

Seamless digital experience

I bought travel insurance on my phone while going to office. The pages opened properly, and I finished it without needing my laptop.
Santoshi C

Santoshi C

Darjiling

star

4

Easy application

I was unsure how medical help works if something happens abroad. The advisor explained it in normal words, and then I felt more comfortable taking the policy.
Himanshu Marwal

Himanshu Marwal

Nainital

star

5

Value for money

I was travelling to a country where hospital costs can get quite expensive. The advisor helped me choose a cover amount that felt safe without pushing up the price unnecessarily.
Somanath Tarikere

Somanath Tarikere

Karnataka

star

5

Seamless digital experience

I was keeping all travel papers ready in one place. Buying the insurance online was quick, and I could save the copy with my passport scan and visa papers.
Sheela R

Sheela R

Belagavi

star

4

Easy application

I had a connecting flight, so baggage delay was on my mind. I checked that part properly before buying, along with medical cover for the trip.
Naveen Chanderbhatt

Naveen Chanderbhatt

South West Delhi

star

4

Easy application

Effortless process with IndusInd Insurance (Formerly know as Reliance General Insurance) Travel Insurance
Deepak Sharma

Deepak Sharma

Baroda

star

4

Seamless digital experience

I booked my tickets late at night and bought travel insurance right after that. The copy came soon, so I saved it in the same folder as my flight ticket.
Gawande Sapna Tej Rao

Gawande Sapna Tej Rao

Akola

star

5

Quick policy issuance

Mine was just a 5-day trip, so I didn't want an expensive plan. I picked the cover that matched my dates and destination, and the amount felt okay.
Nayan Bhai Narshi Bhaivariya

Nayan Bhai Narshi Bhaivariya

Ahmedabad

star

5

Quick policy issuance

My flight was the next day and travel insurance was still pending. I bought it on my phone after dinner and got the WhatsApp copy quickly. Felt relieved before packing.
Raman Ji

Raman Ji

Bengaluru

star

5

Quick policy issuance

I needed the travel policy for my visa file. Filled the trip details, got the document quickly, and added it with my passport and ticket papers.
Jitendrabhai Ganapatram Raval

Jitendrabhai Ganapatram Raval

Ahmedabad

star

5

Value for money

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.
Caroline Ghosh

Caroline Ghosh

MUMBAI

star

5

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

Travel Insurance - Disclaimer

Disclaimer: Travel insurance coverage is subject to policy terms, conditions, exclusions, geographical limits and plan selection. Benefits may vary depending on the product variant, destination, age and coverage opted.

Applicable UIN: IndusInd Travel Care Policy – RELTIOP08002V010708

For detailed disclosures, premium illustrations and benefit limitations, please refer to the Travel Insurance Disclaimer page.

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Frequently Asked Questions (FAQs)

What should I keep in my carry-on for same-day meetings?

Here are a few basic things that your carry-on should have: laptop and charger, adapter, presentation backups (cloud/USB), a change of clothes, toiletries, basic medicines, pen, notebook and a small snack.

Is travel insurance mandatory for business travel?

Not always. Some visas/destinations (e.g., Schengen countries) require proof of cover; others don’t. Many employers also mandate it for overseas trips. Check the embassy/consulate rules and your company travel policy before you book. Even when optional, it helps with a lot of trip-related emergencies. Hence, a business travel insurance policy is advisable.

Can I buy the policy after I depart or increase coverage mid-trip?

No, business Travel Insurance must be purchased before you leave India. If your assignment gets extended, you may request a policy extension before the original expiry, subject to underwriting approval and no pending claims.

How do multi-city or back-to-back trips work under an annual plan?

With Annual Multi-Trip, each “trip” starts when you leave India and ends when you return, including all layovers and multi-city hops in between. A new trip begins when you depart again. Ensure each trip stays within the plan’s per-trip day limit and that your destination isn’t restricted.

Who needs business travel insurance?

Anyone travelling abroad for work, including employees, founders, sales teams, consultants, technicians, researchers, and remote workers attending offsites or conferences. Whether it’s a one-off assignment or frequent trips, solo or with a team, business travel insurance covers medical care, delays, lost documents/baggage and other travel risks.

What should I do if my business trip is interrupted or cancelled?

First, contact your airline/hotel to rebook or refund and get written confirmations. Then notify IndusInd assistance right away. Keep all proofs, tickets, emails, invoices and receipts for extra costs (hotel, meals, transport). Submit a claim, and the eligible non-refundable and necessary additional expenses will be reimbursed as per policy.

What documents help speed up a claim?

Keep handy: passport and visa pages, boarding passes, airline emails for delays/cancellations, hotel/meal receipts, police reports (for theft/loss), medical reports and prescriptions and your policy/E-card. Intimate the claim quickly (ideally within 24 hours) and upload clear scans so assessment can start without back-and-forth.

Are there any destinations that aren’t covered?

Coverage can be restricted for sanctioned or high-risk regions, and travel against official advisories may not be covered. War, invasion or civil unrest is commonly excluded. Check the latest MEA advisories and your policy’s geographical limits before booking flights.

Do I need international roaming or a local SIM?

Enable roaming before you fly or buy a local eSIM/SIM at the airport. Confirm data plans, and save key numbers and addresses offline in case the network drops.

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