Group Health Insurance

Group health insurance is a type of health insurance plan offered by an employer, organization, or association to cover its members or employees under one policy. It provides financial protection against medical expenses like hospitalization, surgeries, treatments, and medicines for all covered members. Premiums are often lower compared to individual plans since the risk is shared among the group, and employers usually pay part or all of the premium cost. Many plans also cover dependents, offer cashless treatment, and include benefits such as maternity coverage or pre-existing disease coverage without long waiting periods.