Business travel insurance starting at just ₹475*
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Coverage up to $500,000
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Cover Flight Delays
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Passport & Baggage Cover
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 5 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 $500,000 Worldwide Cover
High medical limits for international work trips!
24×7 Global Assistance
Get help anywhere in the world, anytime!
Cover for Flight Cancellations
Fast, streamlined claim processing!
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.
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.
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.
IndusInd Business Travel Insurance: Inclusions & Exclusions
What is Covered?
Medical Emergencies: Covers emergency medical treatment abroad, including dental treatment.
Personal Liability: Covers third-party liability like property damage, bodily injury or death, caused unintentionally by you, as per the policy terms.
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.
Pre-Existing Diseases: If a pre-existing disease becomes life-threatening during your business trip, emergency treatment costs are covered as per policy terms.
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?
Planned Treatment: Travel undertaken solely for medical care, surgery or cosmetic procedures is not covered under business travel plans.
Undisclosed Pre-Existing Diseases: Medical emergencies from undeclared pre-existing diseases will not be 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.
Legal Violation: Expenses stemming from legal issues, including when authorities seize your passport during the trip, are not covered under the plan.
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 plan document for detailed inclusions and exclusions linked here.
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:
Step
Visit the Website
First and foremost, go to the Travel Insurance page on our official website.
Step
Pick Your Plan
Choose between the ‘Individual’ and ‘Annual Multi-Trip’ Travel Insurance.
Step
Input Travel Details
Provide the essential information, like your travel destination, trip duration & contact details.
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Select Plan & Verify
Understand the different policy inclusions & benefits, and complete KYC verification.
Step
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
For medical claims on a work trip, contact us by helpline or email with your policy number.
Confirm if the hospital accepts cashless treatments and submit the claim form.
IndusInd Care (formerly Reliance Care) will review your claim and documents.
On approval, we’ll issue a Guarantee of Payment (GoP) to the hospital.
If cashless/GoP isn’t accepted, you can file a reimbursement claim.
Non-Medical Claim
Contact us by helpline or email for baggage delays, trip cancellations, or other issues.
Fill out the claim form and collect the required documents.
You may need your passport copy, tickets, airline emails or an FIR/police report.
IndusInd Care will assess your claim and confirm the decision.
Once approved, we’ll disburse the eligible compensation to you.
Disclaimer: Please refer to the official policy documents for the detailed claims process.
Factors to Consider While Buying Business Travel Insurance
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
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
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
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.
Key Takeaways
Corporate travel is on the upswing. At the same time, flight disruptions remain common, as around 37% of flights in 2024 had a minor or major delay. So, being prepared matters.
More Indians are also choosing travel protection, and industry coverage reports show a swift rise in travel insurance sales in 2025. That’s where IndusInd Business Travel Insurance (formerly Reliance Business Travel Insurance) helps frequent flyers stay on schedule. You can buy our plan online and keep your e-policy handy via the IndusInd Insurance App, making it easy to access support or start a claim on the go.
Our plans include cashless overseas medical care, plus benefits for trip delay/cancellation, lost passport assistance and 24×7 help. You can also choose from single-trip and annual multi-trip options if you take frequent business trips. If you’re flying out for client meetings, conferences or quarterly reviews, this is practical protection that keeps you focused on the work, not the international trip-related woes.
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