The premium for the elected coverage is at the staff member's own expense.
Enrollment in the optional AD&D can begin at any time.
Medical underwriting is not required.
Reduction/cancellation of this insurance may also take place at any time. It is effective from the first of the month following receipt of the change request.
In case of a World Bank Group couple, one staff member may enroll in the Family Level coverage, while the other staff member must choose the 'Individual Level' coverage. Usually, the staff member with the higher salary chooses the 'Family Level' coverage.