Workforce Coverage

Protect your team
on every business trip

Comprehensive group travel insurance for business trips covering medical emergencies, trip cancellations, lost luggage, and travel delays for your entire workforce.

Backed byAXA · Chubb · Allianz · Zurich · Manulife

“When our Singapore team got stranded in Bangkok during flooding, TRS coordinated hotels, alternative flights, and covered all expenses — our staff were home within 36 hours.”

HC
Hannah Chan
HR Director, Regional Enterprise

Workforce Coverage

What’s covered

Emergency Medical & Evacuation


Covers overseas medical expenses, hospitalisation, and emergency medical evacuation back to Singapore — with 24/7 assistance coordination.

Trip Cancellation & Curtailment


Reimburses non-refundable flights, hotels, and conference fees if business travel is cancelled or cut short due to illness, natural disaster, or travel advisory.

Baggage & Personal Effects


Compensates for lost, stolen, or damaged luggage and personal items during the trip — including laptops and essential business equipment.

Travel Delay & Missed Connection


Pays a daily allowance and out-of-pocket costs for significant travel delays, missed connections, and flight cancellations beyond your control.

Medical
Medical Cover
Overseas medicalUp to S$500,000
Emergency evacuationUnlimited
Hospitalisation✓ Covered
24/7 assistance✓ Included
Cancellation
Trip Cancellation
Non-refundable flights✓ Covered
Hotel deposits✓ Covered
Conference fees✓ Covered
Curtailment✓ Included
Baggage
Baggage Cover
Total baggage loss✓ Covered
Laptop & devices✓ Covered
Baggage delayS$100/6 hrs
Single item limitS$2,000
Delay
Travel Delay
Delay trigger6 hours
Daily allowanceS$200/day
Missed connection✓ Covered
Alternative routing✓ Covered

Frequently
asked questions

Yes. Annual trip policies cover unlimited trips per year per employee, up to a maximum trip duration — more cost-effective for frequent travellers.

Most annual business travel policies cover trips up to 90 or 180 days per trip. Longer assignments may require an international health policy.

Some policies extend to acute episodes of pre-existing conditions requiring emergency treatment. Declare conditions to avoid claim disputes.

Yes. Most group travel policies can be extended to cover personal leisure trips taken by employees, with separate limits.