Short travel insurance for IT professionals travelling overseas

Best international travel for corporate travelers

Most business travellers, who are employees in a firm or businessmen are covered under different plans depending on their projects/business requirements:

• Long Term Travel (Health) Insurance for business travelers - here the business traveller/employee would normally be travelling for duration upwards of 90-180 days. Also such employees are allowed to travel along with their dependant spouse/children and hence the employer generally ensures they are covered through long term travel/health insurance.
• Short Term Travel Insurance for IT professionals – here the travellers are typically travelling for 2-3 weeks at a time for key meetings with their team members or clients. Here the employees cannot travel with their dependants and hence have individual travel health insurance which is short term in nature. The sum insured limits are much lower and coverages are not so comprehensive.

In the IT/ITES sector, almost all travel is company sponsored across these categories of travellers and hence the premium is also paid by the company to the insurer. However there are certain companies which leave the decision to the individual to decide on the insurance partner and coverage. This is where the employee has a choice to determining the partner becomes critical and they have to compare plans available in the market. Most business travel is short term and hence premium becomes an important factor which making this decision.