Business Expat
For expatriated employees and other persons living outside Norway.
About the insurance
This insurance covers employees who live outside Norway.
To meet individual wishes and needs, the insurance is designed to make it possible to choose between different kinds of coverage. However, the coverage Illness and Repatriation is part of the basis coverage and must be chosen.
Review of the different coverages
The rationale of the Expatriate Travel Insurance is that expatriated employees should be working under the same conditions as the rest of the employees. In emergency situations they need the same help as if they were still in Norway.
For that reason The Expatriate Insurance is designed to fulfil the typical coverage requirements for a family. The following types of coverage can be added to the insurance:
- Illness and repatriation
- Accident
- Personal liability
- Home contents insurance
- Travel Insurance
Contingency plan
Most countries in the world have a reliable and well functioning health system. However, there are places where appropriate treatment is not available.
If employees are expatriated to such places, it is important that a contingency plan has been developed. The plan should be prepared in advance and state where the nearest suitable hospital is and the means of patient transportation in the case of an emergency. The contingency plan will be registered at the emergency centre, ensuring its preparation and fulfilment should the employee need help.
Price
The final price of your policy will depend on the chosen coverage and insurance amounts. Furthermore, the following factors will apply:
- The number of expatriated employees
- The countries of residence
- Contingency plan
Overview Coverage
| Single person | Family | |||||||
| Basic cover | ||||||||
| Luggage, incl. | Combined max 100.000 | Combined max 200.000 | ||||||
Employer's belongings | 15.000 | 0 | ||||||
| Cash | 5.000 | 10.000 | ||||||
| Travel documents | 15.000 | 15.000 | ||||||
| Valuable items | 20.000 | 20.000 | ||||||
| Single objects | 15.000 | 15.000 | ||||||
| Theft from motor vehicle | 15.000 | 15.000 | ||||||
| Bicycle | 5.000 | 5.000 | ||||||
| Keys | 4.000 | 4.000 | ||||||
| Delayed luggage, business trips | 10.000 | 0 | ||||||
| Delayed luggage, leisure trips | 5.000 | 15.000 | ||||||
| Curtailment | Unlimited | Unlimited | ||||||
| Personal liability | 10.000.000 | 10.000.000 | ||||||
| Legal assistance | 60.000 | 60.000 | ||||||
| Delay - departure - arrival | 3.000 30.000 | 3.000 60.000 | ||||||
| Personal safety | ||||||||
- Evacuation due to war | Unlimited | Unlimited | ||||||
| - Evacuation due to terrorism | 30.000 | 60.000 | ||||||
| - Evacuation due to epidemics and natural disasters | Unlimited | Unlimited | ||||||
| - Psychological first aid | 25.000 | 25.000 | ||||||
| - Dentention | 25.000 | 50.000 | ||||||
| Cancellation | 125.000 | 250.000 | ||||||
| Home contents | 200.000 | 200.000 | ||||||
Additional cover | ||||||||
| Travel illness cover | ||||||||
| Medical expenses | Unlimited | Unlimited | ||||||
| Pregnancy and delivery | 100.000 pr. year | 100.000 pr. year | ||||||
| Dental treatment | 6.000 | 6.000 pr. person | ||||||
| Patient escort | 100.000 | 100.000 | ||||||
| Replacement by colleague | 50.000 | 0 | ||||||
| Return jorney | 50.000 | 50.000 | ||||||
| Repatriation medical evacuation | Unlimited | Unlimited | ||||||
| Treatment expenses after repatriation | 300.000 | 300.000 pr. person | ||||||
| Interrupted travel | 25.000 | 40.000 | ||||||
| Accident cover | ||||||||
| Death | 300.000 | 300.000 pr. person | ||||||
| Death child | 50.000 | 50.000 pr. person | ||||||
| Permanent medical invalidity | 300.000 | 300.000 pr. person | ||||||
| Permanent medical indvalidity child | 500.000 | 500.000 pr. person | ||||||
| Medical treatment expenses | 25.000 | 25.000 pr. person | ||||||