{"id":18545,"date":"2021-10-07T11:47:12","date_gmt":"2021-10-07T11:47:12","guid":{"rendered":"https:\/\/insuropedia.in?p=18545"},"modified":"2026-01-09T09:57:00","modified_gmt":"2026-01-09T09:57:00","slug":"what-is-the-significance-of-fcl-in-gtl-policy-2","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/what-is-the-significance-of-fcl-in-gtl-policy-2\/","title":{"rendered":"What is the significance of FCL in GTL policy?"},"content":{"rendered":"
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Overview<\/span><\/b>\u00a0<\/span><\/h2>\n

FCL<\/span><\/b> stands for <\/span>Free Cover Limit<\/span><\/b> in a <\/span>Group Term Life (GTL)<\/span><\/b> policy. It represents the <\/span>sum assured amount<\/span><\/b> up to which <\/span>no medical underwriting is required<\/span><\/b> for an employee to be covered.<\/span>\u00a0<\/span><\/p>\n

\ud83d\udccc How FCL Works<\/span><\/b>\u00a0<\/span><\/h3>\n
    \n
  1. Sum\u2011Assured Threshold<\/span><\/b>\u00a0<\/span><\/li>\n
  2. Employers set an FCL sum limit (e.g., \u20b92\u202fCr). Employees requesting coverage <\/span>within that limit<\/span><\/b> receive coverage <\/span>without medical tests<\/span><\/b> .<\/span>\u00a0<\/span><\/li>\n
  3. Requests <\/span>above the FCL<\/span><\/b> require medical checks. If the employee declines testing, their coverage is <\/span>capped at FCL<\/span><\/b> .<\/span>\u00a0<\/span><\/li>\n
  4. Age\u2011Based Limits<\/span><\/b>\u00a0<\/span><\/li>\n
  5. Policies may define an <\/span>FCL age limit<\/span><\/b> (e.g., 65 years). Employees <\/span>older than this<\/span><\/b> need medical tests to be covered. Without testing, they may be <\/span>excluded<\/span><\/b> .<\/span>\u00a0<\/span><\/li>\n<\/ol>\n

    \u2705 Why FCL Matters for GTL Plans<\/span><\/b>\u00a0<\/span><\/h3>\n