Our most popular business insurance

Name: Business Smart : Smart Annual Travel Insurance for all business sizes
Brand: Redion Belgium

Main guarantees and exclusions

The complete and detailed cover is in the general terms and conditions; the IPID summarises it.

Covered

All your trips covered during 1 year
Unlimited reimbursement of medical expenses
Medical repatriation and early return
Luggage insurance
Search & rescue costs covered up to € 15,000
Home assistance in Belgium up to € 200

Not covered, or limited

Trips exceeding 6 months
If no health insurance, no medical coverage
Individuals not domiciled in Belgium
Pathological state known prior to travel

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With our Smart annual travel assistance, you benefit from full year-round protection for all your trips up to 3 consecutive months (holidays, winter sports, city trips...), including complete medical assistance in case of accident or illness, with extended medical coverage.

The benefits in detail

Amounts, conditions and franchises, guarantee by guarantee.

Unlimited reimbursement of medical expenses abroad > No medical coverage if you are not affiliated with a health insurance provider.

Repatriation of the injured or ill person and their travel companions > Intervention may be limited in certain countries.

Early return in case of hospitalization or death of a relative in Belgium > Only if the hospitalisation lasts more than 48 hours and the seriousness of the patient's condition justifies your presence at their bedside.

Assistance on and off the ski slopes > Ski off-piste accidents covered only when accompanied by a certified ski instructor.

Search and rescue costs > Up to €15,000.

Financial compensation for the unused travel days > Up to €5,000 per person and a maximum of €40,000 per year.

Coverage for the return of the accompanying person or the person who went to the insured's bedside in the event of repatriation or transport. > Depending on the advice of our medical department, the accompanying person will return either with you or separately.

Coverage of the cost of the onward journey of other insured persons if they are unable to continue their journey by the means originally planned. > Up to the amount we would have paid for their return home.

Compensation for the transport costs of a relative to visit the insured in the event of hospitalisation. > Only if hospitalisation lasts more than 48 hours.

Compensation for the hotel expenses of a relative visiting the insured person in hospital. > Up to €150 per night (max 7 nights).

In the event of the unexpected hospitalisation of a close relative, we organise and pay for the costs of the insured person's early return. > Only if the hospitalisation lasts more than 48 hours and the seriousness of the patient's condition justifies your presence at their bedside.

In case of hospitalization of a child we immediately organize and pay for your early return. > Only valid for children under the age of 18.

In the event of the unexpected death of a family member, organisation and payment of early return travel costs. > According to the kinship criteria specified in the General Terms and Conditions.

In the event of the death of an employee or a serious damage at the company, organisation and payment of early return travel costs. > Proof of loss from the local authorities must be sent to us as soon as possible.

If your home in Belgium is seriously damaged when you are abroad, we organize and pay for your return transport. > You must return to your place of residence within 15 days.

Your door is damaged or you lost your keys? We find a locksmith for you and compensate the costs of intervention. > Max €250 per event for travel and labour costs.

Assistance in the event of loss or theft of travel documents or transportation tickets abroad > Up to €250 for transport and administrative costs.

Sending professional documents > Only when travelling abroad.

Coverage of luggage transportation costs > Luggage left in your vehicle in the event of towing is not covered.

In the event of baggage delays in the destination country (min. 4 hours for scheduled flights and min. 8 hours for charter flights) compensation for essential purchases. > Up to €350 per insured person and per event.

Sending of a replacement worker following the early return of the insured employee, if the latter is unable to return to the place of assignment.* > Only in the case of an early return covered by the contract.

Sending a suitcase with personal effects in the event of loss or theft of luggage. > Provided that you have reported the theft to the competent local authorities.

Sending urgent messages on your behalf > We cannot be held responsible for the content of the message, which must comply with Belgian and international legislation.

Provision of funds in case of unforeseen expenses abroad > Up to €5,000.

Sending glasses, prostheses and medicines directly to your place of stay > Only if the equivalent cannot be found locally, if it is essential and prescribed by a practitioner.

Interpreter assistance abroad > We are not responsible for the interpretation or use you make of the information provided.

Strike assistance : mobility solution in the event of an unannounced strike or one announced less than 12 hours in advance. > Max 4 interventions per insured per year.

Bike assistance: assistance to the bicycle and the driver of the immobilized bicycle in Belgium and its neighbouring countries. > Excluded from this are repetitive immobilisations resulting from a lack of maintenance of the bicycle.

General travel information: visa and administrative formalities > Information provided exclusively by telephone (and by email for urgent medical information).

Info on hygiene precautions and medical safety measures > Information provided exclusively by telephone (and by email for urgent medical information).

Info on hotels and restaurants, places of interest, climate, time difference... > Information provided exclusively by telephone (and by email for urgent medical information).

Assistance in the event of legal proceedings: advance on bail and lawyers' fees > Up to €50,000 per insured person for criminal bail and €5,000 for legal fees.

Pre-contractual information

The IPID product sheet contains a summary of the main guarantees. For a complete and detailed overview, please refer to the general terms and conditions. Before subscribing, please read the general conditions and IPID documents. For all your questions, you can also contact our customer service department by phone at +32 (0)2 541 91 91. Redion Insurance is a contract governed by Belgian law. Any decision to take out insurance must be based on a thorough examination of the information sheet and general conditions.

Product sheet IPID General conditions Precontractual information