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Business Travel Insurance in Nigeria

Traveling from one country or state to another is a major part of international and local business connections. The world has become a global village and this comes with frequent business travels. You could be traveling to catch up with a board meeting or conference or meet new clients and partners. There is a long list of reasons why business men and women travel around. This sometimes come with not-so-good and unforeseen events such as flight delays and cancellations due to bad weather, injury during business travels, delay in getting your luggage or loss of luggage. It is estimated that 30% to 50% of all travelers get injured or fall sick during their trips due to change of environment and other possible causes. Many travelers are not comfortable with all the down sides of frequent traveling.

To reduce the burden and fear of possible losses, delays or even accidents and inconveniences that come with frequent business travels, it will be very wise and convenient to get business travel insurance. The high costs of medical treatment abroad, the risks of relying on inadequate medical facilities in some countries and the real possibility of losing your most valuable possessions is a big enough motivation for business travel insurance. There are some insurance companies with licenses to provide such travel insurance in Nigeria. Examples include Industrial and General Insurance (IGI), AIICO and Mutual Benefits Assurance.


IGI policy comes as The IGI International travel health insurance (IITHI) which covers the following:

  • Travel Personal Accident (Death, loss of limb, and Permanent Total Disablement)
  • Personal liability for accidental injury to third parties or accidental damage  to their property
  • Emergency Medical and Air Ambulance Expenses including Evacuation and Repatriation of Mortal Remains
  • Hospital expenses
  • Loss or delay of checked baggage
  • Loss of passport
  • Travel delay
  • Hijack
  • Flight cancellation and curtailment
  • Loss or theft of money

It provides cover for you in all countries of the World including the Schengen (France, Germany, Italy, Netherlands, Iceland, Luxemburg, Belgium, Sweden, Denmark, Greece, Finland, Norway, Spain, Portugal, Slovakia, Slovenia, Malta, Lithuania, Latvia, Hungary, Estonia, Czech republic, Austria, Switzerland and Poland) states, USA and Canada.


They provide cover for you in all the Schengen states. AIICO Travel is recognized and accepted in all Schengen embassies. Their policy health travel policy provides cover for the following:

  • Repatriation of mortal remains (corpse)
  • Sudden Illness



This company’s policy is called InsurVisa – Travel Medical Assistance which provides the following:

  • Accidental death Benefit
  • Expenses of repatriation for medical reasons
  • Emergency medical intervention and hospital bills

The policy provides the following benefits:

  • Accidental Death Benefit
  • Emergency Medical Intervention and Hospital Bills
  • Repatriation costs following accidental death or illness

The combined limit of cover for all the above is Euro 30,000

The following are the features of the Medical assistance programme:

  • Financial Protection
  • Accidental death benefit
  • Access to proper medical treatments
  • Emergency medical intervention and hospital bills
  • A maximum/combined single limit benefit of Euros 30,000

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