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.
