Ukraine, Russia & impact on UK cover - FAQ’s

A2 - Yes, as per our Policy Terms and Conditions - i.e. provided the contract of employment is with a UK Employer and they remain a Member and have been notified to Generali at each renewal date (if they have been abroad for 12 months or more).

In the event of any failure to notify or late notification in respect of Member(s) abroad for longer than 12 months, Generali reserves the right to decline any claim and to restrict, suspend or terminate the amount of cover under the Policy.

A3 - No, we do not cover members permanently based overseas under our UK Policies.

A4 - Yes, provided a Member uses their normal contractual annual leave to travel to the Ukraine for non-business reasons, no change in current policy terms and conditions will apply.

A5 - Yes, however, unless we are notified to the contrary, we expect any Business Travel to be in line with Foreign Office guidelines applicable at the time.

A6¹ - In respect of Group Life and Death in Service Policies: Provided cover is not impacted by the sanctions clause, and on the assumption that this activity would not be undertaken during a Member’s normal contractual annual leave:

• Generali is able to cover Members on Sabbatical and those Temporarily Absent from Work until the expiry of the relevant period of Temporary Absence detailed in the Policy Schedule. The Member’s Death Benefit will be fixed as at the day prior to the commencement of the Member’s Temporary Absence unless specified otherwise in the Policy Schedule. The maximum allowable increase in Death Benefit whilst a Member is Temporarily Absent, is 5% per annum. Membership will cease at the earlier of the end of the specified period of Temporary Absence (where a Member remains Temporarily Absent), or the date Membership is terminated (for example on leaving the employer, reaching termination age etc).

A6² - In respect of Group Income Protection: Provided cover is not impacted by the sanctions clause, and on the assumption that this activity would not be undertaken during a Member’s normal contractual annual leave. Generali is able to cover Members who are temporarily absent or on sabbatical, for a maximum of 1 year subject to the following:

• Generali is advised at least 30 days in advance of the start of the absence; the Member’s Annual Benefit is fixed at the start of the absence; Members must be declared in data on pre-absence salary; the Deferred Period starts from the date Generali is first notified of the Member’s Incapacity; the Definition of Incapacity would be that, as a result of illness or injury, the Member is incapable of performing the material and substantial duties of their occupation, or any occupation to which they are suited by education, training or experience, and they are not carrying out any other work or occupation; payment of Benefit would commence from the date the Member was due to return from the sabbatical or the end of the Deferred Period, whichever is later.
• Sabbatical or Temporary Absence cover will cease at the earlier of: The end of the period of Temporary Absence; (Where a Member remains Temporarily Absent), or the date Membership is terminated.

A7 - At this time we are able to confirm that where UK Reservist cover has been requested in advance and is detailed on the Policy Schedule, Members of a scheme who are Reservists for the Ministry of Defence can remain covered with the same benefit entitlement.

A8¹ - Group Life: Provided cover is not impacted by the sanctions clause, Members would remain covered under the existing Policy Temporary Absence conditions, that were in force immediately preceding their first day of absence. This would apply only on the basis that they continue to satisfy the terms of the Policy, and retain a UK contract of employment. We would need to be notified of any employees who would fall into this category in advance.

A8² - Group Income Protection: Provided cover is not impacted by the sanctions clause, Members would remain covered under the existing Policy Temporary Absence conditions: i.e. for a maximum of 1 year subject to the following clauses:

• Generali is advised at least 30 days in advance of the start of the absence; the Member’s Annual Benefit is fixed at the start of the absence; Members must be declared in data on pre-absence salary; the Deferred Period starts from the date Generali is first notified of the Member’s Incapacity; the Definition of Incapacity would be that, as a result of illness or injury, the Member is incapable of performing the material and substantial duties of their occupation, or any occupation to which they are suited by education, training or experience, and they are not carrying out any other work or occupation; Payment of Benefit would commence from the date the Member was due to return from the Temporary Absence or the end of the Deferred Period, whichever is later.

A9 - Yes, we can confirm that while our service providers - such as the EAP etc - are able to support our Group Life and Group Income Protection policyholders, we will continue to make these added value services available to our in force plans.