Individual travel insurance Vs group travel insurance?

[shivkumar]

I know that group travel insurance is bought by the organization to cover the frequent business travel. But what is difference between individual travel insurance and group travel insurance?

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[Lethal]

Group Travel Insurance policy is one policy for a business group. It a annual policy, so no need to buy policy every time you are going. Plus some additional benefits like –
Emergency Travel: Pays for the costs of a first class train fare or economy class air fare to return home, upon interruption of travel arrangements made with a recognised Frequent Flyer programme
Contingency Travel Benefit: Pays for reimbursement of coffin expenses, legal assistance following an automobile accident, emergency hotel accommodation and/or emergency hotel extension on occurrence of a contingency covered in the policy
Assistance Provider Services: Helps with emergency medical transport or repatriation, related services, as well as advice on pre-departure information such as visa requirements.

[Arvind kumar]

Group plans cover some additional things, which are not covered in normal policy. Eg - Sometimes the policyholders decided to do some sightseeing in Edinburgh, flying from a business meeting in London. All went well until the airline went on strike and he looked likely to miss his connection bank to London. He was able to purchase a ticket on another carrier and this was covered under the policy.

[tigershark]

One more example - The insured was unable to give a presentation at a important meeting when he came down with a serious case of the flue in Moscow. The Group Travel Insurance paid for a colleague to be flown to Moscow and present in his place.