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Own-occupation / Initial Period test noted
Own-occupation cover during the Initial Period tests incapacity against your actual insured occupation. Readiness means the policy test is identified, your occupation is described beyond a generic title, and you understand when the standard may shift to any-occupation in the Extended Period.
Where it is defined
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Glossary
Own-occupation cover during the Initial Period tests incapacity against your actual insured occupation. Readiness means the policy test is identified, your occupation is described beyond a generic title, and you understand when the standard may shift to any-occupation in the Extended Period.