What term is used for evac/repat coverage when it is not included in standard insurance?

• A. A rider
• B. A policy loan
• C. A deductible
• D. A premium

Answer: (A)

The idea being tested is how insurers extend coverage beyond what’s included in the standard policy. An add-on that does this is a rider (also called an endorsement). In this context, when emergency evacuation or medical repatriation isn’t part of the base policy, you attach a rider to provide that extra coverage. The rider specifies what benefits are included, any limits, and the conditions under which evacuation or repatriation would be covered, making the policy broader without redesigning the entire contract.

The other terms don’t fit this purpose: a policy loan is borrowing against the policy’s cash value, not adding coverage; a deductible is the amount you pay before benefits apply; a premium is the ongoing cost to maintain the policy. None of these by themselves add evac/repat coverage.