Team workspace — Maximum Insurance

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Everything that can happen on the road — to an employee or to your company

Tick what could happen in your teams — several if need be. The guarantees that answer appear, with their amount.

Tick a situation above to see what covers your people.

Cover Pack VIPCover Pack VIP ExtremeMaximum software

Emergency medical expenses abroadup to CHF/EUR/USD 1,500,000Your employee's emergency care is taken on, with nobody at your company fronting the money.

Medical evacuation and repatriationunlimited, worldwideThey are taken where they can be treated, then brought back home.

Search and rescueup to CHF 50,000The cost of coming to find them in the mountains, at sea or somewhere remote.

Direct payment guaranteehospital bill settled directly with the facilityThe hospital is settled by the insurer: no company card comes out of anyone's pocket.

Trip cancellation or modificationup to CHF 1,000The assignment does not go ahead, and what you had already paid comes back.

Trip interruptionup to CHF 10,000The assignment stops halfway through, and the part of the trip lost is compensated.

Advance of funds (loss/theft of means of payment)up to CHF 10,000Card lost or stolen: cash advanced so they can carry on with the assignment.

Private liability abroadup to CHF 1,000,000Damage they cause in their private life abroad, away from their country of domicile.

Accidental death or disabilityup to CHF 150,000A capital sum paid to their family, if the accident has the worst outcome.

24/7 medical emergency line+41 22 ••• •• •• — one single number, in full in your client areaOne number your employee dials alone, at night and at the weekend, anywhere.See assistance →

Worldwide medical network45,000 medical providersThey are pointed to a network practitioner, with no searching to do on site.

Corporate assistanceincludedBusiness travel assistance for your teams is included in the policy, at no extra cost.

Official nominative insurance certificatein the format visa applications require, Schengen includedThe certificate in your employee's name, in the format consulates are waiting for.See the documents →

Travel tracking softwareavailable 24/7, at no additional costYour people and their trips kept in one place, day and night, at no cost.See the documents →

Everything in the Pack VIPincludedEvery Pack VIP guarantee, carried over as it stands, with no exception and no sub-limit.

Trip cancellation or modificationup to CHF/EUR/USD 20,000 per personThe cancellation limit rises to twenty thousand per person, on the higher pack.

Special-risk cancellation (Module A)up to CHF 5,000 per person (political event, attack, epidemic, natural disaster)The country turns before departure and you call the assignment off: covered.

Crisis management & Securitytravel registration, proactive security monitoring, extraction and evacuation in case of riot, war, terrorism or natural disasterYour teams' movements monitored, and an extraction if the situation demands it.✦ subject to eligibility

Kidnap & Ransomdedicated crisis managers (GC art. 18.4)Dedicated crisis managers take over, should the worst ever happen to one of them.✦ subject to eligibility

Directory and policyone single entry — everything else uses itYour people entered once, and everything else uses it.

Trip registerevery departure dated, exportableEvery departure recorded and dated, exportable the day you are asked.

Your ten obligationsticked wherever we hold the dataYour ten obligations ticked wherever we hold the data.

Individual remindersone button per person, and the proof of deliveryOne button per person, and the proof of what they received.

Cover enginethe scope you actually subscribed, article by articleYou describe the situation, the policy answers article by article.

Invoicesone per activated policy, ready for accountingOne invoice per activated policy, ready for accounting.

Export under your brandthe sentence for your board, and the tablesThe evidence goes out under your brand, with the sentence for your board.

Mobile passon the phone's home screen, readable offlineTheir card sits on their home screen, and reads with no signal.See the pass →

Assisted claim filingofficial form pre-filled, sent in one clickThe official form arrives pre-filled, and goes out in one click.See an example →

Trip registrationby e-mail, with no account for the employeeOne e-mail is enough to record a trip in the register.

The employee's own areacertificate, card and documents, at any timeEveryone finds their certificate and card, without going through you.See the area →

Open my team workspace →

How it works

Three moments: what you set up, what happens on the day, and what you will be able to show. Open the one you care about.

2 steps

1Thirteen minutes of setup, once›

Three moves, and you never come back to them

The rest runs without you: certificates, cards, trips, reminders, register. You only come back to it the day you are asked to account for it — and by then everything is ready.

1

Subscribe

Three minutes, no medical questionnaire. Cover runs from payment, and the certificates go out by email.

Day 1 · 3 minutes

2

Add your people

Name, email, date of birth. It is the only data entry in the whole journey — certificates, cards and register all feed on it.

Day 1 · 10 minutes

3

Send a copy of every booking

One rule only: every booking confirmation also goes to your Maximum address, whoever books — the travel agency, the office manager, HR, or the employee themselves. The trip then registers itself in your workspace, and all you do is confirm it in one click.

One rule, set once

12 months, unlimited trips — one policy for the whole year
No medical questionnaire — cover runs from payment
Named or by headcount — you can cover without disclosing names

2What the policy pays, cover by cover›

The amounts, and when each one applies

Every strong cover in this policy is conditional, and the condition plays out before or during the trip. Here is when each one applies, and what must be true at that moment.

Before departure

Trip registration (art. 18.2.6) — mandatory for countries rated 4 to 5 — the security portal's five-step scale, not our map's — « failing which cover will be refused »: the security cover falls, while the annual medical cover is not conditional on it. The software reminds you trip by trip.
The six-step notice — read and confirmed before leaving; the dated acknowledgement, with the fingerprint of the text issued, joins your register.

The day it happens

Emergency medical expenses (art. 4.1) — up to CHF/EUR/USD 1.5M. On hospitalisation — an unplanned stay of over 24 h (art. 2.12) — the insurer sends its payment guarantee to the facility, subject to its prior approval.
Medical evacuation (art. 6.2.1) — when primary rescue services are lacking on site; the insurer's medical team approves the means and the place beforehand.
Medical repatriation (art. 6.2.2) — unlimited. Place, date and means belong exclusively to the insurer's medical team — a flight chartered alone stays at your expense.
Search and rescue (art. 6.1) — necessary and justified — CHF 50,000 in the table of benefits; excluded in case of kidnapping, and at sea beyond 200 km offshore.
Provider network (art. 6.9) — on request during the call, the desk gives the details of a medical provider from its network — the place of care drives the bill more than the illness.
Emergency dental care (art. 4.4) — four named treatments — dressing, filling, root canal, extraction — CHF 1,000 per event.

Around the hospital stay

Visit of two close relatives (art. 6.7) — if repatriation is impossible and the stay exceeds 5 consecutive days — only in the absence on site of a family member of legal age.
Companion's return (art. 6.6) — if their original tickets are neither usable nor changeable; not combinable with the relatives' visit.
Sending a doctor on site (art. 6.3) — the insurer's prerogative — it is not requested, it is decided.

After

Filing the claim (art. 35.7) — within 30 days, or « compensation may be reduced, or refused »; the official forms are pre-filled in your employee's space.
Written notice of accidental death (art. 25.3) — within 24 hours — the notice belongs to the policyholder: we carry it, the software dates it.
Replacement employee (art. 11.1) — request within 8 days — the clock starts at the medical decision to repatriate, not at the event; the software keeps the count.
Return to the assignment (art. 11.2) — after recovery, with the approval of the insurer's medical team and of the policyholder — a repatriation is not necessarily one-way.
Medical costs back home (art. 4.2) — in the country of residence, up to 365 days after the accident or first diagnosis, on a subsidiary basis.

The amounts of both packs

Pack VIP

Emergency medical expenses abroad — up to CHF/EUR/USD 1,500,000
Medical evacuation and repatriation — unlimited, worldwide
Search and rescue — up to CHF 50,000
Direct payment guarantee — hospital bill settled directly with the facility
Trip cancellation or modification — up to CHF 1,000
Trip interruption — up to CHF 10,000
Advance of funds (loss/theft of means of payment) — up to CHF 10,000
Private liability abroad — up to CHF 1,000,000
Accidental death or disability — up to CHF 150,000
24/7 medical emergency line — +41 22 ••• •• •• — one single number, in full in your client area
Worldwide medical network — 45,000 medical providers
Corporate assistance — included

Pack VIP Extreme

Everything in the Pack VIP — included
Trip cancellation or modification — up to CHF/EUR/USD 20,000 per person
Special-risk cancellation (Module A) — up to CHF 5,000 per person (political event, attack, epidemic, natural disaster)
Crisis management & Security — travel registration, proactive security monitoring, extraction and evacuation in case of riot, war, terrorism or natural disaster ✦ subject to eligibility
Kidnap & Ransom — dedicated crisis managers (GC art. 18.4) ✦ subject to eligibility

The official table of benefits, in full (PDF) ›

Open my team workspace

Your name

Company

Work email

Phone

Travelling employees / year

To prepare our call — optional

Today, your teams travel with

Your main destinations

Alert me when one of these countries changes level — official check every morning, one-click unsubscribe.

Anything else we should know?

Thank you! We'll get back to you within 1 business day with your access.

Frequently asked questions

Is an employer required to insure an employee travelling abroad?

Employers have a legal duty of care towards employees on assignment abroad. Maximum Insurance cover applies outside the country of residence and is subsidiary to compulsory schemes: it complements them, it does not replace them.

What does duty of care cover with Maximum Insurance?

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, and the direct payment guarantee: hospitalisation is settled straight with the hospital, the employee advances nothing. The full detail is in the table of benefits, freely available on the Documents page.

How much does covering one employee cost?

$990 for the Pack VIP or $2,290 for the Pack VIP Extreme, per year per person, with unlimited trips within the year. You only pay for the employees you cover, and the tracking software is included at no additional cost.

Does the employee get a certificate for their visa?

Yes. When the stay requires it, you generate a certificate for the trip dates — name, destination, dates — and the official PDF is emailed within minutes, with the insured card. Annual cover does not depend on that step.

Do trips have to be declared in advance?

It depends on the destination, and the distinction matters. Annual medical cover is not conditional on that declaration: it runs from payment. But registering the trip in advance on the travel-security portal is mandatory for the countries that portal rates at level 4 or 5 — its scale has five bands and is not the one on our alerts map — and without it the security cover is refused. For every other destination, declaring serves to see who is where and to obtain a dated certificate (visa, travel order); with no declaration the employee stays at HQ on the map.

Who do we call in an emergency?

One number for your teams, 24/7: +41 22 ••• •• •• — medical, security, travel. In case of hospitalisation, the hospital desk calls that number and the direct payment guarantee is issued immediately.

Protect your people abroad — and keep the record of what you did.

Everything that can happen on the road — to an employee or to your company

How it works

Cover

Three moves, and you never come back to them

Subscribe

Add your people

Send a copy of every booking

The amounts, and when each one applies

The amounts of both packs

Pack VIP

Pack VIP Extreme

Assist

The call is what opens everything else

Up to CHF 1.5M, settled by the insurer

Unlimited, decided by the insurer's medical team

From their own space, forms pre-filled

Prove

You have nothing to keep up to date

The register and the certificate come out ready

Frequently asked questions