Glossary
Emergency medical condition
An illness, injury or symptom which is severe enough to put your health at risk if you don't get immediate medical attention is considered an emergency medical condition.
Emergency repatriation
Emergency repatriation covers the costs of transporting you back to the UK following an illness or accident you suffer while abroad, which affects your return travel plans.
Employee assistance programme (EAP)
An employee assistance programme (EAP) is an employee benefit, whereby a business offers its employees support to help with personal, emotional or financial problems that may affect their performance at work. This could include phone support lines, counselling, online resources and access to medical advice.
Employee benefits
These are benefits offered to staff outside of their salary, for example, private medical insurance or dental plans, which can help with recruitment and retention for businesses and help support employees' health and wellbeing.
Employers' liability insurance
Protection for your company against an employee suing after suffering injury or illness while at work. It is legally required by companies which have employees.
Employment practices liability
This insurance cover is for managers of the company and protects against claims from employees or ex-employees for harassment, wrongful dismissal, discrimination, or unfair redundancy.
Excess
Sometimes also known as a deductible. The amount you may need to contribute towards settlement of a claim. With some policies you may be able to reduce your premium by agreeing to a higher excess when you take out your policy. Not all policies carry an excess.