March 2016
Intermediate to advanced
700 pages
144h 54m
English
Content preview from Principles of Risk Management and Insurance, 13th EditionBecome an O’Reilly member and get unlimited access to this title plus top books and audiobooks from O’Reilly and nearly 200 top publishers, thousands of courses curated by job role, 150+ live events each month,
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Fundamentals of Group Insurance
Group insurance is based on certain fundamental principles. The following section discusses (1) the major differences between group and individual insurance, (2) basic group underwriting principles, and (3) eligibility requirements for group insurance benefits.
Differences between Group Insurance and Individual Insurance
Group insurance differs from individual insurance in several respects. A distinct characteristic is the coverage of many persons under one contract. A master contract is formed between the group policyholder and insurer for the benefit of the individual members. In most plans, the group policyholder and the insurer are the only two parties to the contract. Employees are not a party to the contract; ...
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