This policy provides cover for the loss of profits sustained as a result of a business interruption caused by material damage indemnifiable under the Machinery Breakdown insurance.

There are several forms of Indirect Damage Coverage available under Machinery Breakdown policies. All forms are optional and may be added to the basic policy by endorsement.
1. Business Interruption – Actual Loss Sustained
This form is intended to reimburse the Insured for loss of profits and/or continuing expenses as a result of anMachinery Breakdown accident, on a proof of loss basis, until business as specified in the form (Production, Sales, Rents or Income) can be resumed; subject to the limit of loss specified.
2. Rent or Rental Value
This form is intended to reimburse the Insured for the loss of rents on:
i. the portion of the premises rented out,
ii. the fair rental value for the portion occupied by the Insured, and
iii. the rental value of the unoccupied portion of the premises, resulting from an Machinery Breakdown accident.
3. Loss of Profits
Loss of Profits coverage is provided to reimburse the Insured for loss of gross profits (the difference between the cost price and the selling price of the Insured’s merchandise) resulting from an Machinery Breakdown accident, until the gross profits are back to the level which they were at immediately before the accident occurred but not exceeding the Sum Insured and Indemnity Period specified.
4. Gross Earnings
Gross Earnings coverage is provided to reimburse the Insured for loss due to the necessary interruption of business as a result of an Equipment Breakdown accident, until the damaged property of the Insured is rebuilt, repaired or replaced but not exceeding the amount of insurance specified.
5. Extra Expense Coverage
Extra Expense coverage can be provided to offset the additional cost of conducting business during the period of restoration over and above the cost that normally would have been incurred to conduct business during the same period, had no accident occurred. Such businesses as newspapers, hospitals, schools, colleges and nursing homes may have need for this coverage.
6. Spares Mitigation Clause
All business interruption forms have a Spares Mitigation Clause included. This provides Insureds, who have taken the steps of carrying a spare, a deductible waiver in the event the spare fails while operating to mitigate a potential loss.
7. Spoilage – Broad Form
This coverage provides indemnity for loss or expense due to spoilage resulting from an accident. Loss from lack of power, light, heat, steam, or refrigeration is expanded to cover either “too much” of these elements or “too little” of these elements. This coverage is designed for food processing risks where “too much” heat or cold may spoil the Insured’s product.
8. Spoilage – Enhanced Coverage
For an additional premium, an Enhanced Spoilage Coverage is offered that will provide coverage for spoilage resulting from the normal operation or failure of safety or protective devices. These devices would include fuses, electrical breakers etc.

This policy does not cover any loss resulting from interruption of or interference with the business attributable to the following causes :

• Loss or damage due to fire and allied perils
• Loss or damage for which a contractor, supplier or repairer is responsible
• Any restrictions or reconstruction or operation imposed by any public authority
• Loss of or damage to machinery or mechanical installations which are not listed in the list of plant & machinery insured

Duration of cover is for one year. You need to renew your insurance policy annually.

The cover provided under this policy is limited to loss of gross profit due to reduction in turnover and increase in cost of working.   You are obliged to keep complete records i.e. inventories, production and balance sheets, for the three preceding years shall be held in safe keeping.
Contribution condition – If at the time any claim arises under the Policy there is any other insurance covering the same loss, damage or liability, we shall not be liable to pay or contribute more than its rateable proportion of any claim for such loss, damage or liability.

This policy must be issued concurrently with the Machinery Breakdown Insurance Policy

Cancellation
You may cancel your policy by giving written notice to insurer. Upon cancellation, you are entitled to a refund of the premium less premium based on their short period rates for the period of the policy which has been in force

Group Life Insurance provides a death benefit to the beneficiaries of an insured member of a group. Typically, these policies are taken out by employers to cover their employees. The claim process ensures that the death benefit is provided to the nominated beneficiaries or next of kin in case of the untimely death of an insured employee.

The Claim Process of Group Life Insurance:

• Event Occurrence: An unfortunate event occurs, resulting in the death of an insured employee.
• Notification to the Employer: The family or beneficiary of the deceased employee informs the employer about the death.
• Intimation to the Insurer: The employer, in turn, intimates the insurance company about the claim, providing initial details of the deceased employee and the event.
• Document Collection: The employer collects all necessary documents from the family or beneficiary to support the claim.
• Document Submission: The employer or the beneficiary (based on the insurer's protocol) submits the required documents to the insurance provider for claim processing.
• Claim Verification: The insurance company reviews and verifies the submitted documents and may investigate the claim, especially if there are discrepancies or if the death occurred under suspicious circumstances.
• Claim Approval/Rejection: Once verified, the insurance company either approves or rejects the claim. If approved, the death benefit is processed for payment.
• Payment to Beneficiary: The insurance company disburses the claim amount to the nominated beneficiary or the legal heir of the deceased employee.

Claims Checklist for Group Life Insurance:

• Claim Intimation/Form: A form that notifies the insurer about the claim, typically filled out by the employer or the beneficiary.
• Death Certificate: An official and certified copy of the death certificate of the deceased employee.
• Policy Certificate or Coverage Details: A copy of the group life insurance policy or specific coverage certificate for the deceased employee.
• Proof of Beneficiary Identity: Documents to confirm the identity of the beneficiary, such as a passport, national ID card, or driver's license.
• Proof of Relationship: Documents like birth certificates, marriage certificates, etc., to confirm the relationship between the deceased and the beneficiary.
• Employment Proof: Confirmation of the deceased's employment with the employer at the time of death, which could be an employment contract, recent payslip, or an official letter from HR.
• Medical Records/Post-mortem Report: In some cases, especially if the death was sudden or unexpected, the insurer might request medical records or a post-mortem report.
• Police Report: If the death was due to an accident or suspicious circumstances, a police report might be required.
• Bank Details: The bank account details of the beneficiary for fund transfer.
• Any Other Documents: Depending on the nature of the death, jurisdiction, or specific terms of the insurance policy, additional documentation might be required.

It's essential for both employers and beneficiaries to be aware of the process and the documentation requirements to ensure a smooth claim process. It's also recommended to maintain regular communication with the insurance provider during the claim process for any updates or additional requirements.

This policy provides cover for the loss of profits sustained as a result of a business interruption caused by material damage indemnifiable under the Machinery Breakdown insurance.

There are several forms of Indirect Damage Coverage available under Machinery Breakdown policies. All forms are optional and may be added to the basic policy by endorsement.
1. Business Interruption – Actual Loss Sustained
This form is intended to reimburse the Insured for loss of profits and/or continuing expenses as a result of anMachinery Breakdown accident, on a proof of loss basis, until business as specified in the form (Production, Sales, Rents or Income) can be resumed; subject to the limit of loss specified.
2. Rent or Rental Value
This form is intended to reimburse the Insured for the loss of rents on:
i. the portion of the premises rented out,
ii. the fair rental value for the portion occupied by the Insured, and
iii. the rental value of the unoccupied portion of the premises, resulting from an Machinery Breakdown accident.
3. Loss of Profits
Loss of Profits coverage is provided to reimburse the Insured for loss of gross profits (the difference between the cost price and the selling price of the Insured’s merchandise) resulting from an Machinery Breakdown accident, until the gross profits are back to the level which they were at immediately before the accident occurred but not exceeding the Sum Insured and Indemnity Period specified.
4. Gross Earnings
Gross Earnings coverage is provided to reimburse the Insured for loss due to the necessary interruption of business as a result of an Equipment Breakdown accident, until the damaged property of the Insured is rebuilt, repaired or replaced but not exceeding the amount of insurance specified.
5. Extra Expense Coverage
Extra Expense coverage can be provided to offset the additional cost of conducting business during the period of restoration over and above the cost that normally would have been incurred to conduct business during the same period, had no accident occurred. Such businesses as newspapers, hospitals, schools, colleges and nursing homes may have need for this coverage.
6. Spares Mitigation Clause
All business interruption forms have a Spares Mitigation Clause included. This provides Insureds, who have taken the steps of carrying a spare, a deductible waiver in the event the spare fails while operating to mitigate a potential loss.
7. Spoilage – Broad Form
This coverage provides indemnity for loss or expense due to spoilage resulting from an accident. Loss from lack of power, light, heat, steam, or refrigeration is expanded to cover either “too much” of these elements or “too little” of these elements. This coverage is designed for food processing risks where “too much” heat or cold may spoil the Insured’s product.
8. Spoilage – Enhanced Coverage
For an additional premium, an Enhanced Spoilage Coverage is offered that will provide coverage for spoilage resulting from the normal operation or failure of safety or protective devices. These devices would include fuses, electrical breakers etc.

This policy does not cover any loss resulting from interruption of or interference with the business attributable to the following causes :

• Loss or damage due to fire and allied perils
• Loss or damage for which a contractor, supplier or repairer is responsible
• Any restrictions or reconstruction or operation imposed by any public authority
• Loss of or damage to machinery or mechanical installations which are not listed in the list of plant & machinery insured

Duration of cover is for one year. You need to renew your insurance policy annually.

The cover provided under this policy is limited to loss of gross profit due to reduction in turnover and increase in cost of working.   You are obliged to keep complete records i.e. inventories, production and balance sheets, for the three preceding years shall be held in safe keeping.
Contribution condition – If at the time any claim arises under the Policy there is any other insurance covering the same loss, damage or liability, we shall not be liable to pay or contribute more than its rateable proportion of any claim for such loss, damage or liability.

This policy must be issued concurrently with the Machinery Breakdown Insurance Policy

Cancellation
You may cancel your policy by giving written notice to insurer. Upon cancellation, you are entitled to a refund of the premium less premium based on their short period rates for the period of the policy which has been in force

Group Medical Insurance provides health coverage to members of a group, usually employees of a company or members of an organization. These policies can cover a range of medical services, from general doctor visits to specialized surgeries. Claims under this type of insurance arise when a member of the group avails medical services covered by the policy.

The Claim Process of Group Medical Insurance:

• Medical Service Availment: An insured member avails a medical service that's covered under the policy.
• Direct Billing or Out-of-pocket Payment:
  • Direct Billing: If the medical provider has a tie-up with the insurance company, they can directly bill the insurance company, and the member might only need to pay any excess or co-payment as per the policy terms.
  • Out-of-pocket Payment: If there's no direct billing or if the medical service provider isn't in the insurer's network, the insured member pays for the services upfront.
• Claim Intimation: The insured member or the HR department (in the case of employer-based insurance) intimates the insurance company about the claim.
• Document Collection: The insured member collects all necessary receipts, medical reports, and other documents related to the medical service.
• Document Submission: These documents are then submitted to the insurance company for reimbursement if the member paid out-of-pocket.
• Claim Verification: The insurance company verifies the claim, checks the submitted documents, and might ask for additional information if required.
• Claim Approval/Rejection: After verification, the insurance company decides to either approve or reject the claim based on policy terms. The reasons for any rejection are communicated.
• Reimbursement: If the claim is approved, the insurance company reimburses the claimed amount (or a part of it based on policy terms) to the insured member or directly to the medical service provider in the case of direct billing.

Claims Checklist for Group Medical Insurance:

• Claim Form: A duly filled claim form that provides details about the medical service, costs incurred, and other necessary information.
• Medical Bills/Receipts: Original bills and receipts for the medical services availed.
• Medical Reports: Any diagnostic reports, doctor's notes, prescriptions, discharge summary, and other relevant medical documents.
• Identity Proof: A copy of the insured member's ID, which could be a company ID in the case of employer-based insurance.
• Policy or Membership Card: A copy of the group medical insurance membership card or policy details.
• Referral Letter: If specialist services were availed upon referral from a general practitioner, a copy of that referral might be required.
• Previous Medical History: If the treatment pertains to a pre-existing condition, previous medical records or documents might be needed.
• Bank Details: If the claim is for reimbursement, the bank details of the insured member for fund transfer.
• Any Other Documents: Depending on the nature of the medical service, jurisdiction, or specific terms of the insurance policy, additional documentation might be required.

Remember that the exact process and checklist can vary based on the insurance provider, the specific terms of the group medical policy, and regional regulations. It's always a good idea for members to familiarize themselves with the claim process and to coordinate closely with the HR department (in the case of employer-based insurance) and the insurance provider for any clarifications.

Retirement Savings: Contributions are made by both the employer and employees to build a retirement fund over time.

• Investment Growth: Contributions are invested in various financial instruments to generate potential returns.
• Retirement Benefits: Employees receive a pension upon reaching the retirement age defined in the plan.

Extensions might include options for:

• Early Retirement: Some plans offer the option to retire earlier than the standard retirement age.
• Voluntary Contributions: Employees might have the choice to make additional contributions to enhance their retirement fund.
• Death Benefit: Some plans provide a death benefit to the employee's beneficiaries in case of untimely demise.

This policy does not cover any loss resulting from interruption of or interference with the business attributable to the following causes :

• Early withdrawals before the retirement age might be subject to penalties.
• The value of the pension fund can fluctuate based on the performance of investments.

The period of insurance corresponds to the employment tenure of the individual within the organization. The plan accumulates contributions and investments over time.

The sum insured is the cumulative value of contributions and investment returns in an employee's pension fund.

• Vesting Period: Some plans might have a vesting period before employees become eligible for the employer's contributions.
• Employee Contributions: Encourage employees to contribute towards their pension to maximize the retirement fund.
• Portability: In some cases, employees might be able to transfer their pension contributions to a new employer's pension scheme.
• Regular Communication: Provide clear and regular communication to employees about the features, benefits, and progress of their pension plans.
• Retirement Age: Define the retirement age and the conditions for early retirement within the plan.

Group Pension Plans offer employees the opportunity to build a secure financial future after retirement. By designing plans that suit the needs of employees and complying with applicable regulations, organizations can demonstrate their commitment to their workforce's well-being.

Group Pension Plans are schemes set up by employers to provide retirement benefits to their employees. When the time comes for an employee to retire, they or their employer can claim the amount accumulated in their pension fund. The specifics of the claim process and checklist might differ depending on the pension plan provider and the jurisdiction, but here's a general overview:

The Claim Process of Group Pension Plans:

• Reaching Retirement Age or Early Retirement: An employee reaches the official retirement age as per the plan's terms or opts for early retirement if the plan permits.
• Intimation to the Employer: The employee informs the HR or relevant department about their impending retirement and intention to claim their pension.
• Claim Application: The employer or employee (depending on the policy terms) fills out the necessary claim forms to apply for the pension payout.
• Document Submission: Relevant supporting documents are submitted along with the application.
• Verification: The pension plan provider verifies the claim and checks all submitted documents.
• Calculation: The total pension amount, either as a lump sum or as regular payouts (e.g., monthly), is calculated based on the employee's years of service, contributions, and any other relevant factors.
• Claim Approval: Once everything is in order, the claim is approved.
• Payout: The pension amount is disbursed either as a lump sum or begins as regular payouts, depending on the plan's structure and the choice of the retiree.

Claims Checklist for Group Pension Plans:

• Claim Application/Form: The necessary form or application to claim the pension amount.
• Proof of Age: Documents like a birth certificate, passport, or any other official document that verifies the employee's age.
• Employment Proof: Documents that verify the employee's years of service with the company, like joining letter, service certificate, or any other relevant record.
• Plan Document: A copy of the Group Pension Plan document or certificate that was provided at the initiation of the plan.
• Identity Proof: Documents like a passport, driver's license, or any other government-issued ID.
• Details of Nominee: In case of the employee's demise, details and identity proof of the nominee who will receive the benefits.
• Bank Details: Information for the bank account where the pension amount should be transferred.
• Resignation/Retirement Letter: A copy of the resignation or retirement letter, indicating the last working day.
• Any Other Documents: Depending on the pension plan provider's terms and jurisdictional regulations, additional documentation might be required.

Always remember to keep in touch with the HR department and the pension plan provider when approaching retirement to ensure all documents are in order and the process is understood. The exact procedure and requirements might vary based on the specifics of the Group Pension Plan in place.

GLPA Insurance covers:

• Life Insurance: Provides a lump sum payment to beneficiaries in case of an insured individual's death due to any cause.
• Accidental Death Benefit: Offers an additional benefit if the insured individual dies due to an accident.
• Accidental Disability Benefit: Provides compensation in case of total or partial disability due to an accident.
• Medical Expenses: Coverage for medical expenses resulting from accidents, including hospitalization and treatments.

Extensions can include:

• Permanent Total Disability: Extending coverage to include benefits for permanent total disability due to accidents.
• Temporary Total Disability: Adding coverage for temporary disabilities preventing the insured from working.
• Spousal and Dependent Coverage: Offering coverage to the insured's family members.

Exclusions might involve:

• Pre-Existing Conditions: Typically, pre-existing conditions are excluded from coverage.
• Self-Inflicted Injuries: Coverage may not apply to injuries resulting from self-inflicted actions.
• War and Terrorism: Losses resulting from war, acts of terrorism, or related events.

The period of insurance for GLPA policies is often renewed annually or based on the agreement between the group and the insurance provider.

The sum insured is determined based on factors such as the group's composition, income levels, and coverage needs. It aims to provide meaningful financial support to group members and their beneficiaries.

• Policy Customization: Tailor the policy to the group's needs, considering factors such as eligibility criteria, coverage extensions, and exclusions.
• Beneficiary Designation: Ensure accurate and updated beneficiary designations to facilitate efficient claims processing.
• Claim Procedures: Familiarize beneficiaries with the claim process, required documentation, and timelines for smooth claims settlement.
• Occupation Consideration: Discuss the group's occupations and activities to ensure accurate coverage, especially for high-risk tasks.
• Communication: Effectively communicate the benefits of GLPA Insurance to group members and their beneficiaries.

Group Life & Personal Accident Insurance (GLPA) in the UAE offers a comprehensive solution to meet both life insurance and personal accident protection needs for groups. By customizing the policy, maintaining open communication, and understanding the claims process, organizations can provide valuable benefits to their members or employees.

Group Personal Accident Insurance provides coverage for employees or members of a group against accidental death, permanent disablement, temporary disablement, or other specific injuries resulting from an accident. Organizations often provide this insurance to their employees as a part of their benefits package. The following is a general outline of the claim process and checklist for Group Personal Accident Insurance: The Claim Process of Group Personal Accident Insurance:

• Occurrence of the Accident: An insured member suffers an accident that falls under the coverage of the policy.
• Immediate Notification: The insured member, a family member, or the employer should promptly inform the insurance company about the accident.
• Seek Medical Assistance: In the case of injuries, the insured must seek immediate medical attention. In the case of death, the relevant authorities should be informed.
• Collection of Relevant Documents: Gather all necessary documents pertaining to the accident and the injuries sustained or the cause of death.
• Claim Form Submission: Fill out the claim form provided by the insurance company, detailing the accident's circumstances and its consequences.
• Claim Assessment: The insurance company assesses the claim based on the provided information and might require additional documents or clarification.
• Claim Approval/Rejection: After assessment, the insurance company will decide whether to approve or reject the claim. If approved, the compensation amount is determined based on the policy's terms.
• Payout: The approved claim amount is then disbursed to the insured member or their nominees/beneficiaries in case of the insured's death.

Claims Checklist for Group Personal Accident Insurance:

• Claim Form: A fully completed claim form detailing the circumstances of the accident, the nature of the injuries, and any other relevant information.
• Medical Reports: Comprehensive medical reports detailing the injuries sustained, treatment provided, and prognosis. This includes doctor's prescriptions, diagnostic tests, discharge summaries, etc.
• Police Report: In the case of serious accidents or events leading to the accident, a copy of the police report might be required.
• Proof of Employment: A document proving the member's association with the group, such as an employment certificate or an ID card.
• Death Certificate: If the claim is for accidental death, a certified copy of the death certificate is required.
• Post-mortem Report: If a post-mortem was conducted, a copy of the report might be necessary, especially if foul play is suspected or the cause of death is unclear.
• Proof of Relationship: In case the payout is to be made to a nominee or beneficiary, documents proving their relationship to the insured might be required.
• Proof of Disability: If the claim is for disability, documents proving the nature and extent of the disability will be needed, often in the form of a detailed medical assessment.
• Witness Statements: If available, statements from witnesses who can corroborate the events leading to the accident.
• Bank Details: For the transfer of the claim amount.
• Any Other Documents: Depending on the specifics of the insurance policy, jurisdiction, or the nature of the accident, additional documents might be required.

Always remember to check the specific terms of the Group Personal Accident Insurance policy and coordinate with the HR department (if it's employer-provided) and the insurance company for a smooth claim process.

This insurance covers:

• Legal liabilities arising from employee injuries, illnesses, or fatalities.
• Medical expenses for treating employees' work-related injuries or illnesses.
• Compensation and legal expenses associated with lawsuits brought by employees due to workplace injuries.

Extensions might include:

• Coverage for legal costs related to employment practices claims, such as discrimination or wrongful termination.
• Extension to cover employees working temporarily abroad.

Exclusions could involve:

• Intentional harm or injuries caused by the employee's own misconduct.
• Injuries sustained outside the scope of employment.
• Claims arising from injuries that are covered by other insurances.

The policy period typically ranges from one year to several years, depending on the terms negotiated.

The sum insured is the maximum amount the insurer will pay for covered claims. It's important to assess the appropriate coverage level based on potential liabilities.

• Calculation of Liability Amount: The liability amount depends on factors such as the severity of the injury, the extent of the disability, and the employee's salary. The calculation typically involves medical expenses, loss of income, and potential long-term implications.
• Safety Measures: Implement robust health and safety protocols to minimize the risk of workplace accidents and injuries.
• Transparent Communication: Clearly communicate to employees about the availability of Employer's Liability Insurance and their rights in case of work-related injuries.
• Regular Review: Regularly review your policy to ensure it aligns with the changing dynamics of your workforce and business operations.
• Legal Requirements: Familiarize yourself with the specific legal requirements for Employer's Liability Insurance in your jurisdiction to avoid compliance issues.

Employer's Liability Insurance is a cornerstone of responsible business practices, safeguarding both employers and employees. By understanding the scope, potential liabilities, and legal requirements, businesses can create a safer work environment while protecting their financial stability.

Employers Liability Insurance is designed to cover legal liabilities that employers may face if an employee gets injured or becomes ill due to work-related activities and decides to take legal action against the employer. It helps employers manage the financial consequences of such events.

The Claim Process of Employers Liability Insurance:

• Occurrence of the Incident: An accident, injury, or illness occurs in the course of the employee's work.
• Immediate Notification: As soon as the employer is made aware of the incident, they should notify their insurance company, even if they're not sure whether a claim will be made.
• Document Everything: It's essential to record all details regarding the incident, such as what happened, how it happened, who was involved, any witnesses, and any immediate actions taken.
• Employee's Action: If an employee believes the employer is at fault, they might decide to file a claim for compensation against the employer.
• Claims Assessment: Upon receiving the claim, the insurance company will assess the circumstances surrounding the claim, gather evidence, and may require additional information.
• Legal Process: If the claim isn't settled amicably and goes to court, the insurance company typically provides legal defense, relying on the evidence gathered and any applicable policy defenses.
• Claim Settlement: Depending on the court's decision or an out-of-court settlement, the insurance company will pay the claim up to the policy limit.
• Payment: If the claim is valid, the insurance company will handle the necessary compensation payments to the employee or their representatives.

Claims Checklist for Employers Liability Insurance:

• Incident Report: Detailed report of the incident leading to the employee's injury or illness, including date, time, location, and the people involved.
• Medical Reports: Documentation related to the employee's injuries or illness, including doctor’s notes, treatment details, diagnoses, and any hospital records.
• Witness Statements: Statements from any co-workers or other parties who witnessed the incident.
• Photographic or Video Evidence: Any available photographs or videos of the area where the incident took place, highlighting potential hazards or the absence thereof.
• Employee Records: Details of the injured employee, including their job role, training records, and employment history.
• Safety and Training Documentation: Proof of any safety measures, training programs, and equipment checks that were in place to prevent such incidents.
• Communication Records: Any communication between the employer and the employee or their representatives regarding the incident.
• Official Notices: Any official notices or documents received from regulatory bodies or the court regarding the incident.
• Legal Documentation: Any legal notices, summonses, or other relevant legal documents related to the claim.
• Insurance Policy Document: A copy of the Employers Liability Insurance policy.
• Any Other Relevant Evidence: Depending on the specifics of the claim, other pieces of evidence or documentation might be required to support or refute the claim.

When dealing with such claims, it's crucial for employers to act promptly and maintain transparent communication with their insurance provider. They should also ensure that they're complying with all legal and regulatory requirements in their jurisdiction related to employee safety and reporting.

Workmen's Compensation covers:

• Medical Expenses: Covers medical treatment costs for work-related injuries or illnesses.
• Lost Wages: Provides compensation for lost wages due to temporary or permanent disability.
• Death Benefits: Offers financial support to the family of an employee in case of accidental death.

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Extensions might include options for:ul class="list-marked">

Additional Medical Coverage: Extending coverage to include non-work-related medical expenses.

Disability Enhancements: Offering higher compensation for more severe disabilities.

Repatriation: Coverage for transporting the body of a deceased employee to their home country.