Q. Which type of additional coverage in a group life insurance scheme might offer benefits as a lump sum or over several years for total and permanent disability?

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Q. How is dependent insurance in a group life insurance scheme typically characterized in terms of coverage levels compared to the employee?

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Q. What is the primary reason employer-employee group insurance schemes can offer a Free Cover Limit (FCL) without requiring individual evidence of insurability for coverage up to a certain level?

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Q. What is one of the significant benefits of implementing a Free Cover Limit (FCL) in an employer-employee group insurance scheme?

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Q. How does the presence of a Free Cover Limit (FCL) in a group insurance scheme impact the spread of mortality risk among the insured population?

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Q. What challenge is associated with setting the Free Cover Limit (FCL) too high in an employer-employee group insurance scheme?

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Q. How does the size of an employer-employee group affect the Free Cover Limit (FCL) set by insurers?

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Q. What underwriting requirements may an insurer impose for coverage amounts exceeding the Free Cover Limit (FCL)?

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Q. What distinguishes compulsory plans from voluntary plans in employer-employee group insurance schemes?

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Q. What is a potential advantage of voluntary plans in employer-employee group insurance schemes?

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Q. What is a key characteristic of salary savings schemes for employer and employee groups in India?

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Q. What is one of the basic requirements for designing a group insurance scheme to prevent anti-selection?

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Q. What is the purpose of having an automatic basis to determine the level of coverage per employee in a group insurance scheme?

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Q. Who is typically eligible for insurance cover in a group insurance scheme?

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Q. What additional eligibility condition may apply for employees to qualify for insurance coverage?

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Q. What is the purpose of a waiting period in a group insurance scheme?

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Q. When does coverage typically cease in a group insurance scheme?

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Q. How is disability handled in group insurance schemes in some developed countries?

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Q. Which approach provides extended death benefit coverage for employees who become totally disabled prior to retirement age?

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Q. What is typically required for continued waiver of premium in group insurance schemes?

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