Business Travel Accident Insurance

Offered through Chubb, Business Travel Accident (BTA) insurance is provided to all worldwide employees free of charge. BMC Software provides business travel accident insurance to you automatically – you do not need to enroll in this coverage.

BTA is a type of Accidental Death and Dismemberment (AD&D) insurance, so it pays a benefit if you die or become disabled as a result of a covered accident while traveling on business for BMC. The BTA insurance benefit is paid in addition to benefits paid from the Life and Optional AD&D insurance you may have.

The plan pays three times your salary up to a maximum of $1.5 million to your beneficiary in the event of your death while traveling on business. For family members who travel with you on an authorized trip or relocation, the plan provides $100,000 coverage for your spouse and $50,000 coverage for each child.

BTA insurance pays a percentage of the business travel accident coverage amount for an injury based on the type of loss incurred.

If an Accident Causes the Loss of... The Plan Pays... (% of covered amount)
Life 100%
Loss of two or more of: hand or foot, sight, speech and hearing 100%
Total paralysis of both upper and lower limbs 100%
Loss of one of: hand or foot, sight, speech and hearing 50%
Total paralysis of both upper and lower limbs on one side of the body 50%
Total paralysis of both lower limbs or both upper limbs 75%
Thumb and index finger of same hand 25%
Total paralysis of one lower limb or one upper limb 25%

A complete description of the BTA insurance benefit is available here.


This website describes the Business Travel Accident Plan arranged for your benefit but it is not considered an insurance contract. For simplicity, this Plan is described in a general and brief manner in on this website. The complete terms of the Business Travel Accident Plan are set forth in the original policy issued to BMC Software, Inc.

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