Common use of Repatriation Expenses Clause in Contracts

Repatriation Expenses. If an Insured Person is injured or becomes ill during the Operative Time, the Company will reimburse the Insured or an Insured Person for any Rescue Expenses reasonably and necessarily incurred as a direct result, for up to two years from the date of injury or first diagnosis of illness up to the Sum Insured on the Schedule. Definition applicable to Section B1.2 Rescue Expenses The cost of transportation by any suitable means to an appropriate medical facility or to an Insured Person’s home in the United Kingdom or Permanent Country of Residence as recommended by the Company’s appointed medical advisor in conjunction with the local attending Medical Practitioner. In the event of death the costs of transportation of the body or ashes and the Insured Person’s personal effects back to the United Kingdom or Permanent Country of Residence are covered. The costs of funeral expenses outside the United Kingdom or an Insured Person’s Permanent Country of Residence are covered up to a maximum of £10,000. Condition applicable to Section B1.2 The Insured or Insured Person must contact Healix as soon as possible if injury or illness results in the need for in-patient hospital treatment or the possible need for emergency rescue otherwise the costs may not be reimbursed. Emergency Helpline: +00 (0) 0000 000 000 (24 Hour) Extension applicable to Section B1.2 If an Insured Person commits suicide on a Trip, the Company will pay any costs, up to a maximum of £5,000, necessarily incurred to transport the body back to the United Kingdom or an Insured Person’s Permanent Country of Residence. Exclusions applicable to Section B1.2 The Company will not be liable for any claim: 1 where an Insured Person is travelling against the advice of a Medical Practitioner; 2 where the purpose of the Trip is to receive medical treatment or advice; 3 as a result of the use by an Insured Person of a non-prescribed drug or drugs which cannot be legally obtained from a pharmacy; 4 as a result of suicide, attempted suicide or self-inflicted injury other than where costs are incurred in transporting the body back to the United Kingdom or an Insured Person’s Permanent Country of Residence. Please see endorsement No 1 on page 27 for additional exclusions applying to Long Term Secondees. Section B1.3 – Medical and Security Assistance Services supporting this Policy RSA Assistance Services supporting this Policy This RSA policy is supported by specialists in the provision of Medical and Security Assistance Services • Healix and Drum Cussac are third party service providers approved by RSA The advice and assistance provided by both Healix and Drum Cussac can be accessed as follows: Telephone: +00 (0) 0000 000 000 E-mail: xxx@xxxxxx.xxx The services can be accessed 24 hours a day 365 days a year For your protection telephone calls may be recorded or monitored A full description of their services supporting this Policy, both insured and uninsured, are as follows Travel and Medical Assistance from Healix Healix employs a multilingual team of highly skilled and experienced professionals who provide travel and medical assistance services required by today’s traveller. We have customised the services Healix provide to protect the health of all travellers insured under this Policy When a traveller falls ill or suffers an accident whilst overseas or requires travel or medical-related help, Healix’s dedicated in-house teams of doctors, nurses and case managers are on hand 24/7. Their highly experienced specialists provide travellers with the highest quality of advice, support and assistance and an immediate response including emergency evacuation and repatriation. Healix Pre Travel Advice Even before the Trip commences Healix can help with the following advice on: • customs regulations • currency limits and rules • banking procedures and hours • health matters and inoculation requirements • visa requirements and procedures For no additional cost, Healix can provide a high level Country Travel Advice Report, which provides a generic overview of the medical facilities and care available for a given location along with the logistics involved in the provision of evacuation or repatriation procedures. (Please note that where an agent’s fee is incurred to obtain, this information will be chargeable.) For a fee and at the Insured’s expense, Healix can provide a more detailed Medical Risk Briefing Report that provides an in depth evaluation of the available healthcare, resources, assets and logistics. These reports can be used to help address the Insured’s duty of care obligations. Healix Medical Assistance The Insured or an Insured Person can obtain immediate assistance by telephoning Healix. The 24/7 operations centre has: • in house doctors and nursing staff • a network of doctors and nurses throughout the world • multi-lingual assistance case managers • specialist travel agencies for immediate repatriation arrangements in the event of a medical problem Healix Travellers Helpline As well as medical assistance the Healix Travellers Helpline will provide the following assistance: • advice on replacement of lost or stolen tickets passport or travel documents • assistance in liaison with carrier on location of lost luggage items • uninsured motoring assistance if the Insured Person’s vehicle breaks down on the way to an airport in the UK • uninsured domestic assistance for the duration of the Trip - Healix will call out a tradesman to attend to an emergency at home but repairs and services necessary are payable by the Insured Person (with the exception of the cover provided under the Lost Keys Extension applicable to the B2.1 Personal Property and B2.2 Business Equipment Section) This service only applies where the Insured Person’s home is in the UK • emergency message relay to family Identity Theft Helpline Over the phone preventative advice, to help an Insured Person safeguard their identity including guidance on measures to take to re-establish identity and credit rating. To make a claim please go to page 6 for further information. Essential Information Storage To enable an Insured Person to securely store important text based information from documents such as passports, driving licence, travel and debit / credit card details and retrieve these details from a secure website in the event of the loss of these documents whilst travelling To subscribe to this service please go to xxx.xxxxxxxxxxxxxxx.xxx Bereavement Advice and Counselling following an Insured Person’s death Practical information and advice on how to: • register a death and the documentation required by the Registrar • locate a will • obtain Grant of Probate or Letters of Administration • decide whether to consult a solicitor • select a funeral director • obtain appropriate counselling for the family left behind and explain the role of the Coroner Counselling following an insured Death or Disablement claim With the prior written consent of the Company telephone or face to face counselling sessions are included as part of the claims service. State Benefit Advice following an insured Disablement claim Information and advice on the financial implications of long term absence from work due to injury Information on entitlement to State Benefits To make a claim for any of the Counselling benefits or for State Benefit Advice, please contact RSA claims as shown on page 6. Travel and Security Assistance from Drum Cussac Drum Cussac offer a range of services to meet the spectrum of travel and personal security challenges, ensuring every Insured Person is well prepared, has 24/7 access to security advice when travelling and an emergency response capability in the event of a crisis. Drum Cussac is a specialist risk consultancy with offices on 4 continents. They provide advice and solutions that enable our Policyholders to manage and mitigate their business risks. Recognised for their specialist expertise, innovative intelligence led approach and track record, their services and solutions deliver security improvements to business operations worldwide. Drum Cussac Travel Security Advice Even before you start planning an Trip, Drum Cussac can provide detailed advice about your destination via RiskMonitor Traveller, an advanced online country/city risk intelligence service. Any of your employees will be able to self-register (so long as their email addresses include the pre-registered domain names or the University), to log on please follow this process: 1 Point your browser at xxxxx://xxx.xxxx-xxxxxx.xxx/self- registration to begin the registration process. On this page you will be required to enter your full email address.

Repatriation Expenses. If an Insured Person is injured or becomes ill during the Operative Time, the Company will reimburse the Insured or an Insured Person for any Rescue Expenses reasonably and necessarily incurred as a direct result, for up to two years from the date of injury or first diagnosis of illness up to the Sum Insured on the Schedule. Definition applicable to Section B1.2 Rescue Expenses The cost of transportation by any suitable means to an appropriate medical facility or to an Insured Person’s home in the United Kingdom or Permanent Country of Residence as recommended by the Company’s appointed medical advisor in conjunction with the local attending Medical Practitioner. In the event of death the costs of transportation of the body or ashes and the Insured Person’s personal effects back to the United Kingdom or Permanent Country of Residence are covered. The costs of funeral expenses outside the United Kingdom or an Insured Person’s Permanent Country of Residence are covered up to a maximum of £10,000. Condition applicable to Section B1.2 The Insured or Insured Person must contact Healix Xxxxxx as soon as possible if injury or illness results in the need for in-patient hospital treatment or the possible need for emergency rescue otherwise the costs may not be reimbursed. Emergency Helpline: +00 (0) 0000 000 000 (24 Hour) Extension applicable to Section B1.2 If an Insured Person commits suicide on a Trip, the Company will pay any costs, up to a maximum of £5,000, necessarily incurred to transport the body back to the United Kingdom or an Insured Person’s Permanent Country of Residence. Exclusions applicable to Section B1.2 The Company will not be liable for any claim: 1 where an Insured Person is travelling against the advice of a Medical Practitioner; 2 where the purpose of the Trip is to receive medical treatment or advice; 3 as a result of the use by an Insured Person of a non-prescribed drug or drugs which cannot be legally obtained from a pharmacy; 4 as a result of suicide, attempted suicide or self-inflicted injury other than where costs are incurred in transporting the body back to the United Kingdom or an Insured Person’s Permanent Country of Residence. Please see endorsement No 1 on page 27 for additional exclusions applying to Long Term Secondees. Section B1.3 – Medical and Security Assistance Services supporting this Policy RSA Assistance Services supporting this Policy This RSA policy is supported by specialists in the provision of Medical and Security Assistance Services • Healix and Drum Cussac are third party service providers approved by RSA The advice and assistance provided by both Healix and Drum Cussac can be accessed as follows: Telephone: +00 (0) 0000 000 000 E-mail: xxx@xxxxxx.xxx The services can be accessed 24 hours a day 365 days a year For your protection telephone calls may be recorded or monitored A full description of their services supporting this Policy, both insured and uninsured, are as follows Travel and Medical Assistance from Healix Healix employs a multilingual team of highly skilled and experienced professionals who provide travel and medical assistance services required by today’s traveller. We have customised the services Healix provide to protect the health of all travellers insured under this Policy When a traveller falls ill or suffers an accident whilst overseas or requires travel or medical-related help, HealixXxxxxx’s dedicated in-house teams of doctors, nurses and case managers are on hand 24/7. Their highly experienced specialists provide travellers with the highest quality of advice, support and assistance and an immediate response including emergency evacuation and repatriation. Healix Pre Travel Advice Even before the Trip commences Healix Xxxxxx can help with the following advice on: • customs regulations • currency limits and rules • banking procedures and hours • health matters and inoculation requirements • visa requirements and procedures For no additional cost, Healix can provide a high level Country Travel Advice Report, which provides a generic overview of the medical facilities and care available for a given location along with the logistics involved in the provision of evacuation or repatriation procedures. (Please note that where an agent’s fee is incurred to obtain, this information will be chargeable.) For a fee and at the Insured’s expense, Healix can provide a more detailed Medical Risk Briefing Report that provides an in depth evaluation of the available healthcare, resources, assets and logistics. These reports can be used to help address the Insured’s duty of care obligations. Healix Medical Assistance The Insured or an Insured Person can obtain immediate assistance by telephoning Healix. The 24/7 operations centre has: • in house doctors and nursing staff • a network of doctors and nurses throughout the world • multi-lingual assistance case managers • specialist travel agencies for immediate repatriation arrangements in the event of a medical problem Healix Travellers Helpline As well as medical assistance the Healix Travellers Helpline will provide the following assistance: • advice on replacement of lost or stolen tickets passport or travel documents • assistance in liaison with carrier on location of lost luggage items • uninsured motoring assistance if the Insured Person’s vehicle breaks down on the way to an airport in the UK • uninsured domestic assistance for the duration of the Trip - Healix will call out a tradesman to attend to an emergency at home but repairs and services necessary are payable by the Insured Person (with the exception of the cover provided under the Lost Keys Extension applicable to the B2.1 Personal Property and B2.2 Business Equipment Section) This service only applies where the Insured Person’s home is in the UK • emergency message relay to family Identity Theft Helpline Over the phone preventative advice, to help an Insured Person safeguard their identity including guidance on measures to take to re-establish identity and credit rating. To make a claim please go to page 6 for further information. Essential Information Storage To enable an Insured Person to securely store important text based information from documents such as passports, driving licence, travel and debit / credit card details and retrieve these details from a secure website in the event of the loss of these documents whilst travelling To subscribe to this service please go to xxx.xxxxxxxxxxxxxxx.xxx Bereavement Advice and Counselling following an Insured Person’s death Practical information and advice on how to: • register a death and the documentation required by the Registrar • locate a will • obtain Grant of Probate or Letters of Administration • decide whether to consult a solicitor • select a funeral director • obtain appropriate counselling for the family left behind and explain the role of the Coroner Counselling following an insured Death or Disablement claim With the prior written consent of the Company telephone or face to face counselling sessions are included as part of the claims service. State Benefit Advice following an insured Disablement claim Information and advice on the financial implications of long term absence from work due to injury Information on entitlement to State Benefits To make a claim for any of the Counselling benefits or for State Benefit Advice, please contact RSA claims as shown on page 6. Travel and Security Assistance from Drum Cussac Drum Cussac offer a range of services to meet the spectrum of travel and personal security challenges, ensuring every Insured Person is well prepared, has 24/7 access to security advice when travelling and an emergency response capability in the event of a crisis. Drum Cussac is a specialist risk consultancy with offices on 4 continents. They provide advice and solutions that enable our Policyholders to manage and mitigate their business risks. Recognised for their specialist expertise, innovative intelligence led approach and track record, their services and solutions deliver security improvements to business operations worldwide. Drum Cussac Travel Security Advice Even before you start planning an Trip, Drum Cussac can provide detailed advice about your destination via RiskMonitor Traveller, an advanced online country/city risk intelligence service. Any of your employees will be able to self-register (so long as their email addresses include the pre-registered domain names or the University), to log on please follow this process: 1 Point your browser at xxxxx://xxx.xxxx-xxxxxx.xxx/self- registration to begin the registration process. On this page you will be required to enter your full email address.