Health insurance provided to members of a group of persons, as employees of one or more employers or members of associations or labor unions. The term is usually used to distinguish this type of health insurance from individual health insurance. Group health insurance is better than individual in most cases- your premium will be lower, and your options larger. If you cannot receive group insurance coverage through your employer, then you'll need to seek out an individual plan.

There is two basic group plans are fully insured and Minimum Premium Plan are describe below: -

Fully insured: - Under this plan your employer accepts all the risk for paying your claims.

Minimum Premium Plan: - Under this plan your employer pays up to a certain specified maximum; after which point, the insurer pays. Most of these plans offer several types of coverage: basic coverage, major medical coverage and basic, plus major medical coverage.