When does cover commence for a new member entering an existing plan?
A. If a member joins the plan within the eligibility critera (stipulated in the Policy Schedule), cover will commence as at the date advised. A member who is outside eligibility will be required to complete a Personal Statement and all other underwriting requirements. Cover will commence from the date TOWER notifies the member in writing of acceptance terms (in some cases, the member needs to confirm agreement to acceptance terms).
