An insurance plan by which a number of employees (and their dependents), or members of a similar homogeneous groups , are insured under a single policy, issued to their employer or the group with individual certificates of insurance given to each insured individual or family. Individual employees may be insured automatically by virtue of employment, only on meeting certain conditions (employment for over a month for example), or only when they elect to be insured. The policyholder or insured is the employer, not the employees.
It is among the largest group life and disability insurance carriers in the nation, with a strong ongoing focus on long term care insurance.

Health insurance can be purchased on an individual or group basis. Group health insurance, generally available through an employer, may also be offered by other various organizations such as federal societies, labor unions, college health departments, and rural and consumer health cooperatives.

The employer usually pays part or all of the costs for the Group Health Insurance available to employees. However, since the protection provided by group health insurance varies from plan to plan, it is wise to check with you employer's personnel office or the union office, to find out exactly what coverage and benefits are available to you. If your group health insurance does not fully cover all of your health needs or you are self-employed, then you may need to supplement your coverage with an individual plan. Individual insurance can be suited to your particular needs and provided by the insurance company or agent of your choice. Because coverage and costs of such policies vary from company to company you should shop around and compare the prices as well as benefits offered before making a decision to purchase.