Coverage for an Eligible Participant starts at 12:00:01 a.m. on the latest of the following:

1.    The effective date of the Policy; or
2.    The Participating Organization’s or Institution’s Effective Date;
3.    The effective date shown on the Insurance Identification Card, if any;
4.    The date the requirements in Section 1 – Eligible Classes are met; or
5.    The date the premium and completed enrollment form, if any, are received by the Participating         Group, Insurer or the Administrator.

An Eligible Dependent’s coverage starts at 12:00:01 a.m. on the latest of the following:

1.    The effective date of the Policy; or
2.    The Participating Organization’s or Institution’s Effective Date;
3.    The effective date of the Eligible Participants insurance;
4.    The effective date shown on the insurance identification card, if any;
5.    The date the eligibility requirements in this section are met; or
6.    The date the completed enrollment form, if any, and premium are received by the Participating
Group, Insurer or the Administrator.

Thereafter, the insurance is effective 24 hours a day, worldwide. In no event, however, will insurance start prior to the date the enrollment form, if any, with premium is received by the Insurer or one of its authorized agents.  

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