Business Travel Accident

The Abacus Business Travel Accident program enables businesses to provide 24 hour accident coverage to their employees while traveling on business away from the premises of the policyholder.

The program is available to any business or company that has employees who travel on its behalf. The policyholder is the business itself and the insured persons are the employees who travel.

Classes

Coverage is available for the following class descriptions

Class	Description	Requirements
Class 1	All Full-Time Active Employees of the Policyholder earning $100,000 or more annually	Either Class 1 or Class 2 is required
Class 2	All Full-Time Active Employees of the Policyholder earning less than $100,000 annually
Class 3	All eligible spouses/domestic partners of Class 1 & Class 2 Covered Persons	Optional Classes
Class 4	All eligible dependent children of Class 1 & Class 2 Covered Persons

Coverage & Plan Options

Two plan options are available:

Coverage	Plan A	Plan B
Accidental Death & Dismemberment	Principal Sum Amounts Class 1: 300,000 Class 2: 200,000 Class 3: 25,000 Class 4: 10,000	Principal Sum Amounts Class 1: 500,000 Class 2: 300,000 Class 3: 50,000 Class 4: 25,000
Policy Aggregate Limit of Liability	1,500,000 per Covered Accident	2,500,000 per Covered Accident
Coma Benefit	1% of the Principal Sum for the first 11 months, lump sum up to 100% of the Principal Sum is paid in the 12th month	1% of the Principal Sum for the first 11 months, lump sum up to 100% of the Principal Sum is paid in the 12th month
Safety Device	Seat Belt- 10% of the Principal Sum up to $10,000 Air Bag- 10% of the Principal Sum up to $5,000	Seat Belt- 10% of the Principal Sum up to $10,000 Air Bag- 10% of the Principal Sum up to $5,000
Repatriation of Remains Benefit	100% of Usual and Customary Charges up to a maximum of $1,000,000	100% of Usual and Customary Charges up to a maximum of $1,000,000
Bereavement/ Trauma Counseling	500 maximum per Covered Accident $100 per session for a maximum of 5 sessions	500 maximum per Covered Accident $100 per session for a maximum of 5 sessions
Emergency Medical Evacuation & Repatriation	100% of Usual and Customary up to $1,000,000	100% of Usual and Customary up to $1,000,000
Felonious Assault & Violent Crime	10% of the Principal Sum or a hospital stay benefit of $100.00 per day for up to 15 days	10% of the Principal Sum or a hospital stay benefit of $100.00 per day for up to 15 days
Out of Country Accident & Medical Emergency Coverage*	$25,000 Maximum Excess Benefit Period: A maximum of 26 weeks Incurral Period: 30 Days	$50,000 Maximum Excess Benefit Period: A maximum of 26 weeks Incurral Period: 30 Days

*Optional Coverage, Available in 40 States: AL, AZ, AR, CA, CO, CT, DE, DC, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MI, MS, MO, MT, NE, NV, NJ, NM, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY.