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Europ Assistance


Business Smart

Customisable annual business travel assistance with insurances covering both your business and private trips of up to 6 months duration


  • Unlimited reimbursement of medical expenses abroad
  • Repatriation of the injured or ill person and their travel companions
  • Early return in case of hospitalization or death of a relative in Belgium

The benefits of this insurance in detail

Medical Assistance Business Smart
  • Unlimited medical expenses paid abroad
  • Repatriation of the injured or ill person and their travel companions
  • Early return in case of hospitalisation or death of a relative in Belgium
  • Assistance on and off the ski slopes
  • Search and rescue costs up to 15.000€.
  • Reimbursement of non-consumed travel days in the event of early return
Assistance to insured individuals travelling with you
  • We pay for the return of the insured travel companions or the person who went to the bedside of the insured individual in case of repatriation or transportation of the insured individual
  • We pay for the cost of continuation of their journey, up to the amount we would have paid for their return home if they cannot continue their travel with the initially planned means
Reconnection with your relatives
  • Visit of a relative in case of hospitalization of the insured person for more than 48 hours
  • Coverage of return trip, hotel expenses up to €300 per night (max 7 nights)
  • Coverage of travel expenses between hotel and hospital up to €375
  • In case of unexpected hospitalization of a loved one for a period of more than 48 hours, we organize and pay for the anticipated return of the insured individual
  • In case of hospitalization of a child we immediately organize and pay for your early return
  • In case of the unexpected death of a family member, we organize and pay for an early return
  • In case of death of an employee or a serious disaster in the company, we organize and pay for an early return
Incident in your home
  • If your home in Belgium is badly damaged when you are abroad, we organize and pay for your return transport
  • Your home is uninhabitable following serious damage? We assist you with your relocation, guard your home and transport your furniture
  • Your door is damaged or you lost your keys? We find a locksmith for you and participate in the costs of intervention
  • You want to have work done to your home? We can find skilled workers for you in Belgium
Travel concerns
  • Assistance in case of loss or theft of travel documents or tickets abroad and payment of transportation costs to the embassy or consulate up to €250.
  • Assistance in case of loss or theft of travel documents or tickets abroad
  • Sending professional documents
  • Coverage of the cost of luggage transportation
  • In case of luggage delay in the country of destination (minimum 4 hours for a scheduled flight and minimum 8 hours for a charter flight) we pay for the purchases of basic necessities up to €500
  • Sending of a worker following a covered return of the insured worker, if they cannot return to the place of their mission
  • Sending a suitcase with personal effects in the event of loss or theft of luggage
  • Transmitting urgent messages
  • Provision of money for unforeseen expenses abroad
  • When travelling: sending glasses, prostheses, medication not found on site
  • Interpreter assistance abroad
  • Strike assistance: mobility solution in case of a wild strike or a strike announced in less than 12 hours. Only valid on the first day of strike, max. 4 times a year
  • Bike assistance: assistance to the bicycle and the driver of the immobilized bicycle in Belgium and its bordering countries
Public liability
  • Assistance in the event of legal proceedings:
    • advance for payment of the guarantee or caution up to €50,000
    • lawyer fees up to €5,000
Advice service
  • General travel information: visa and administrative formalities
  • Info on hygiene precautions and medical security measures
  • Info on hotels and restaurants, places of interest, climate, time difference...
  • Business information concerning stock exchanges, congresses, Chambers of Commerce, business centres...
Contact us for more information Read the general terms and conditions >

This product sheet contains the main services and is not contractual. For details of the services, refer to the general conditions of this contract.

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