What is own occupation

An own-occupation insurance policy covers individuals who become disabled and are unable to perform the majority of the occupational duties that they have been trained to perform. This type of insurance policy is contingent on the individual being employed at the time the disability occurs.

Explanation:

the more fit you are, the faster the recovery. your heart rate drops most sharply in the first minute after you stop exercising; it should then fall about 20 beats a minute—a drop of less than 12 beats a minute is considered abnormal. this “recovery heart rate” is measured as part of an exercise stress test.

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