{"id":18423,"date":"2021-09-15T07:53:16","date_gmt":"2021-09-15T07:53:16","guid":{"rendered":"https:\/\/insuropedia.in?p=18423"},"modified":"2026-01-09T09:58:00","modified_gmt":"2026-01-09T09:58:00","slug":"what-is-the-active-at-work-clause-under-gtl-insurance-policy","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/what-is-the-active-at-work-clause-under-gtl-insurance-policy\/","title":{"rendered":"What is the “Active at work” clause under GTL Insurance policy?"},"content":{"rendered":"
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Overview<\/span><\/b>\u00a0<\/span><\/h2>\n

The <\/span>\u201cActive at Work\u201d clause<\/span><\/b> in a Group Term Life (GTL) Insurance policy ensures that coverage is only valid if the insured employee is <\/span>physically present and actively working<\/span><\/b> at the time the policy takes effect. This clause is crucial for insurers to mitigate the risk of covering critically ill or inactive employees who are not currently performing work duties.<\/span>\u00a0<\/span><\/p>\n

Under this clause, employees who are on medical leave, long-term absence, or hospitalized <\/span>may not be eligible for immediate coverage<\/span><\/b> until they resume active work. The intent is to prevent <\/span>adverse selection<\/span><\/b> and maintain fairness in group insurance pricing.<\/span>\u00a0<\/span><\/p>\n

This clause is typically applied during:<\/span>\u00a0<\/span><\/p>\n