Group life or health policy term requiring a new member (or a member increasing cover) to be at work or on holiday on the day of joining or increasing the cover, and not absent due to sickness or industrial action. Cover may begin on the employee’s return to work, either automatically or with the insurer’s consent.
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Some group health insurance policies stipulate that if an employee is not actively at work on the day the policy goes into effect, the coverage will not begin until the employee return to work.