Business Travel Accident Insurance

2024 Plan Information

Business Travel Accident (BTA) Insurance

Morgan Stanley provides BTA Insurance coverage at no cost to you when you are traveling on approved Morgan Stanley business away from your regular work assignment or location. BTA Insurance provides benefits if you are seriously injured and suffer dismemberment, paralysis, loss of sight, speech or hearing, or loss of life.

BTA coverage is provided for you as well as your spouse or domestic partner and eligible dependent children who accompany you on a business trip authorized and approved by Morgan Stanley.

BTA Insurance Benefits

See the Health Benefits and Insurance SPD for benefit information

Spouse/Domestic Partner

50% of your benefit amount


20% of your benefit amount per child

When BTA Insurance Begins

Your BTA coverage begins when you leave your home or office (whichever occurs last) at the start of the business trip. Coverage ends the moment you return to your home or office (whichever occurs first).