Though life insurers waive individual medical underwriting up to FCL limits. They necessitate that the GTL insurance cover, be underwritten subject to the “Active at work” clause.
An employee is actively at work under GTL Insurance if he/she is:
either actively performing his/her normal occupation or taking leave (other than sick leave) authorized by the employer;
working the normal number of hours required by the contract with the employer. Either at a normal place of employment or at a location as agreed with the employer or at a location to which he/she requires to travel for business;
mentally and physically capable of performing all the duties normally associated with the job;
and is not acting against medical advice in meeting any requirement of a) to c). For example, An employee assessed by their doctor as unfit to work will not qualify for active duty if they are working.
As individual medical underwriting is waived off in the Group Term Life policy, insurers introduce this clause in the policy to protect them against covering employees who are off-duty due to prevailing serious illnesses and limit coverage only to the employees who are fit and healthy and working normally.
About The Author
Varun
MBA Finance
Varun has established itself as a knowledgeable and reliable expert in the field with 8 years of experience. Specializing in group-term life insurance, they have dedicated their career to helping businesses and individuals navigate the complexities of insurance products and services. Currently writing for SecureNow, he produces insightful blogs and articles that demystify group-term life insurance, offering practical advice, industry updates, and strategic insights. Their deep understanding of the insurance landscape and talent for clear and engaging communication make their content invaluable for both seasoned professionals and newcomers alike.
