What is often required for policy reinstatement under group coverage?

For policy reinstatement under group coverage, medical questions are typically required to ensure that the insurer assesses the current health status of the individual. This is crucial because the risk profile of the insured may have changed since the policy lapsed. By asking medical questions, insurers can evaluate whether the individual's health has deteriorated, which could influence their decision to reinstate coverage or potentially modify the terms.

In group insurance scenarios, while factors such as employment status or financial standing may be relevant, medical evaluations are more directly tied to the assessment of risk for individual policyholders within the group. Insurers need to make informed decisions to maintain the balance of the risk pool, which is why they often focus on health-related questions during the reinstatement process.