Even though the onus is on your company to cover you for business travel, take a look at the policy. Picture: 123RF/ANYA BERKUT
In terms of the cover afforded by your medical scheme, for the three largest open medical schemes in SA — Discovery Health Medical Scheme, Bonitas Medical Scheme and Momentum Health — it makes no difference whether the purpose of travel is business or leisure: you receive the benefits in line with the level of cover offered by your benefit option.
Similarly, if you are a member of Momentum Health, you are covered whether you travel for work or leisure. Your travel benefit on a medical scheme is limited to medical cover, [and excludes] other important travel related risks like cancellation cover and luggage cover.The cover does include mandatory vaccine expenses that you need if this is a condition of travel to your destination, emergency medical expenses, medical evacuation and transport, hospitalisation, outpatient and inpatient treatment, optical and dental expenses and travel assist services.
Further, your medical scheme will then be able to provide you with the information on any vaccinations you require, as well as details on who to contact in case of an emergency abroad.highlights the importance of checking with your medical scheme to see what you are covered for as cover varies from one insurer to another.
“We seldom come across a company that does not use travel insurance to cover and protect employees on business travel,” TIC adds.“Although a master policy is issued for the business or in the name of the business, a policy declaration is issued for each trip an employee takes and is sent to the traveller,” says TIC. “Your company can purchase a travel insurance policy that has an option to include cover for luggage losses too.
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