As the policy 5.1 provides, biz travel insurance is supplementary in nature. Pursuant to local regulation, there is statutory insurance that DKSH need to enroll you with to address medication or other risk pursuant to the insurance plan. The later TH HR is in a better position to explain in greater detail.
In provision 6 it further provides travel risk mgmt. guideline meant to on board managers to become more aware of preventive risk management.