WHO IS ELIGIBLE FOR INSURANCE. COVER Any special circumstances that apply as specified under each group take precedence over the provisions under clause 4 if there is no conformity between the clauses. Membership rules When the insurance relationship is based on insurance moved from another insurer All employees/members who were covered by the insurance scheme with another insurer that is being moved to DNB Liv, will remain covered by the scheme provided they are not older than the agreed age of exit. Those employees/members who were not covered by the insurance scheme being moved to DNB Liv, will be admitted to the scheme if they fulfil the ordinary conditions of entry. If, in connection with the scheme being moved to DNB Liv, insurances are taken out in addition to those the company had with the ceding insurer, entry to the scheme will be conditional on the fulfilment of the ordinary conditions of entry. The same applies if, in connection with the scheme being moved, an increase in the sum insured is agreed for an individual insurance. Ordinary conditions of entry The insurance under this Contract is compulsory and comprises all employees/members who are employed by the Policy Holder and who fulfil the conditions of entry. This applies for employees/members who have a natural affiliation with the agreed groups and are counted as included in the membership base. Statutory Occupational Injury/Occupational Disease Insurance applies for all permanent employees and for temporary workers who are not hired from an employment agency. Casual workers who together make up less than one (1) full-time equivalent, including school students on work experience week and apprentices, are included under the insurance cover Statutory Occupational Injury/Occupational Disease independently of the stated membership basis. Ordinary rules of entry and exit for individual insurances: Insurance Entry age Exit age Percentage requirement for post Occupational Injury Insurance No Limits No Limits No requirements Holiday Injury 67 Years 67 Years No requirements Other Sickness 67 Years 67 Years No requirements Group Life 67 Years 67 Years No requirements Group Accident 67 Years 67 Years No requirements Membership of the insurance scheme for Group Life and Other Sickness is conditional on 100 per cent fitness for work. If DNB Xxx requires a medical history statement, membership is conditional on acceptance of the insured’s state of health. The insured is obliged to fill in a medical history statement on a form provid...
