Maximum Insurance / Insuring a team that travels: you cover a headcount, not names
The Maximum Insurance company pack covers a headcount, not a named list: you declare the number of employees to protect, and their names are never requested. The general certificate is issued in the company's name on payment, the contract runs a firm 12 months, and turnover requires no update. The trade-off: that certificate is not nominative.
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By covering a headcount, not a list of people. The Maximum Insurance company pack is taken out on a number of employees: you declare how many people are to be protected, and their names are never requested. That is the whole mechanism, and it is what makes the contract workable when teams turn over, when roles stay open, and when next month's traveller has not been hired yet.
The company pack form follows that logic: the company, the headcount covered, a contact's first name, last name and work email, the chosen plan and the start date. No title, no date of birth, no nationality — the subscriber is not the insured person, they sign on behalf of their company. No destination is asked for either: the pack is taken out on a headcount, not on a list of trips.
A general certificate of cover and an invoice, by email, as soon as payment is made. The certificate is issued in the company's name: it carries the company name, the plan subscribed, the headcount covered, collective policy no 20 00 479 and a twelve-month period of cover. It states that the company is covered for the stated headcount of travelling employees, whatever their names.
No nominative card is issued on this route, since there is no named insured. That follows directly from a contract with no named insured — better to know it before you buy than at a consulate counter.
No, and that is the honest trade-off of this contract. A consulate asks for a nominative certificate, in the name of the person travelling; the company pack's general certificate names the company, not the employee. For a visa application, Schengen included, it is the nominative TSM insurance certificate that is accepted.
It is obtained by activating the trip in the Duty of Care OS: name, destination, dates. The official TSM certificate and the insured card are then emailed within 30 seconds, and remain downloadable afterwards — for a visa as much as for an audit. The detail is set out on the Duty of Care page.
No, there is nothing to declare. You insure a headcount, not a list of people: an arrival, a departure, a replacement or a role left vacant requires no contract update. That is precisely what makes this route practicable on a large workforce, where a named list would have to be corrected at every movement — and would rarely be corrected in time.
Afterwards, at the time of the claim, from ordinary employment records: payroll register, employment contract, mission order. The question is not "is this name on the contract?" — no name is — but "did this person belong to the company on that day?". That is what the general certificate itself says.
It is also the first question asked on the day of a claim: because the contract is in the company's name, filing starts by identifying the insured person concerned — the subscriber, or an employee. The whole sequence, from the emergency call to the claim, is set out in the file on an employee hospitalised abroad.
$990 per employee per year for the Pack VIP, $2,290 for the Pack VIP Extreme. The total follows the headcount entered in the form. The contract is paid in a single upfront payment, for a firm 12-month term from the start date you choose; the first renewal date is displayed as soon as that date is entered. The number of trips within the year is not limited, and the tracking software is available 24/7 at no additional cost to your company. The currency is picked above the form — euro, Swiss franc or dollar — and the figure shown is the same in all three.
The Pack VIP covers emergency medical expenses abroad up to CHF/EUR/USD 1,500,000, unlimited medical evacuation and repatriation worldwide, search and rescue up to CHF 50,000, private liability abroad up to CHF 1,000,000 and accidental death or disability up to CHF 150,000. On hospital admission, the TSM/AXA direct payment guarantee settles the hospital bill directly with the facility: that is the subject of the file on an employee hospitalised abroad. The Pack VIP Extreme raises trip cancellation or modification to CHF/EUR/USD 20,000 per person and adds special-risk cancellation up to CHF 5,000 per person.
Two benefits are the exception. The Pack VIP Extreme price also covers crisis management and security (GardaWorld / AXA) and Kidnap & Ransom (GC art. 18.4), but those two are still offered as options, subject to eligibility: the insurer accepts them case by case, and on the à la carte route a selection containing one of them turns into a quote request rather than an immediate payment. Paying the pack price is therefore not the same as being accepted. Finally, cover applies outside the country of residence and is subsidiary to compulsory schemes: it complements them, it does not replace them. The exact territorial scope and the full detail of benefits are set out in the Corporate Mobility General Conditions 2026 and the Table of Benefits, freely available on the Documents page. The programme is underwritten by TSM Compagnie d'Assurances, a Swiss insurer since 1921; distribution WinHealth Group, FINMA F01210623.
No. For a visa, Schengen included, a consulate asks for a nominative certificate in the name of the person travelling, whereas the company pack's certificate names the company and the headcount covered. The nominative TSM insurance certificate is obtained by activating the trip in the Duty of Care OS — name, destination, dates. It is emailed within 30 seconds together with the insured card, and stays downloadable afterwards.
The company pack form asks for a contact's first name, last name and work email — usually the office manager or the HR director. That contact is not the insured person: they sign on behalf of their company, which is why no title, no date of birth and no nationality are requested. The general certificate and the invoice are emailed to them as soon as payment is made.
Yes. The currency is picked above the form — euro, Swiss franc or dollar — and the figure shown is the same in all three: 990 for the Pack VIP, 2,290 for the Pack VIP Extreme, per employee per year. Payment goes through Stripe in a single upfront payment, for a firm 12-month term from the start date you choose.
You declare the number of employees to be protected: the general certificate states that the company is covered for the stated headcount of travelling employees, whatever their names. The form accepts from 1 to 10,000 employees and the total follows that number. No list of people and no list of destinations: the company pack is taken out on a headcount.
Afterwards, from ordinary employment records: payroll register, employment contract, mission order. The question is not whether a name appears on the contract — none does — but whether the person belonged to the company that day, which is what the general certificate itself says. The claim is then filed on the official TSM forms, which start by asking who the insured person concerned is.
The Pack VIP Extreme is built as the Pack VIP plus four lines — cancellation raised to CHF/EUR/USD 20,000, special-risk cancellation (Module A), crisis management and security (GardaWorld / AXA) and Kidnap & Ransom (GC art. 18.4) — and its price, $2,290 per employee per year, covers all four. The last two are still offered as options, subject to eligibility: the insurer accepts them case by case, and on the à la carte route a selection containing one of them turns into a quote request rather than an immediate payment. So the price covers them without acquiring them in advance: eligibility decides.
Little: the company name, the number of employees covered, a contact's first name, last name and work email, the plan — Pack VIP or Pack VIP Extreme — and the start date. Payment is secured by Stripe. The general certificate of cover and the invoice are emailed as soon as payment is made, in the company's name, carrying collective policy no 20 00 479 and twelve months of cover.
Pack VIP: $990 for twelve months, unlimited trips. CHF 1.5M emergency medical, unlimited evacuation and repatriation, TSM/AXA direct payment guarantee in hospital.
TSM Compagnie d'Assurances (1921) · AXA Assistance · WinHealth — FINMA F01210623
Terms and conditions are quoted from the issuers' public documents, with article and version. General information — not personal advice.
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TSM Compagnie d'Assurances (1921) · AXA Assistance · GardaWorld