Non-Employer Group Vs Individual Health Cover

After the outbreak of covid-19, we have learned how uncertain a human life is. Other than this, we have realized the importance of health insurance coverage. There are different types of health covers available in the market but here we will talk about the non-employer group cover and individual health cover. Let us differentiate between them.

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Basic Difference Between Individual & Non-employer Group Cover

The insurance companies offer health insurance plans for a single person, for families as well as a group of people. As the term individual suggests, it is an insurance plan that an individual can purchase for his/herself whereas non-employer group cover is a type of insurance policy that can be purchased by a group of people such as people living in a society, cultural association or people holding account in the same bank.

Whether individual or non-employer group health cover, it is necessary for the buyer to learn about the policy in detail. It is vital to look at the kind of coverage it provides, premium amount, customization, etc. So let us tell you about all these things and how these things differ in an individual and non-employer group health cover.

Coverage Comparison

While purchasing non-employer group health cover, the extent of coverage in this policy depends on the insurance company. However, there are standard insurance plans with standard coverage that will be applied to all the members of the group. The standard plan provides an equal sum insured amount to each one in the group. In some cases, the customers can choose the amount of coverage but the options would be limited. These plans would work if all the members of the group have similar health conditions, financial backgrounds and demographics. This will make it easier for them to choose a particular plan that suits all of their requirements.

If we talk about individual health insurance then it is considered better than any other type of health insurance plan. It is because it provides coverage to a single persona and the whole sum insured amount can be used by that individual only. The individual can choose the sum insured amount according to him/her. Also, you can purchase different add-ons by paying an extra premium amount. It is considered better than any other type of insurance plan because an individual can make changes and customize the plan as per requirement and does not have to consult with anybody else.

Option of Renewability

The advantage of being covered under an individual health insurance plan is that you can renew your plan lifelong, unlike non-employer group health plan. The policyholder can renew the individual health insurance cover as long as they want or alive.

However, in non-employer group health cover, the insurance plan cannot be renewed for a lifetime. There are uncertainties in this insurance plan as there are not many options available in the market which makes it limited for the insured to choose another plan in case the existing one expires. Also, in case the bank and the insurance company shut down a particular product then it will leave the insured clueless without not much options left in the market.

Flexibility in Price

The individual health insurance plan’s price is set according to the guidelines of the Insurance Regulatory & Development Authority of India. However, the non-employer group health insurance plan prices are flexible as it depends on the number of people covered under the plan along with the kind of coverage it provides and the requirement of each member of that group.

All these factors play a vital role in deciding the price of the insurance plan. So keep these things in mind while purchasing the group health plan and when you as an individual or a group are satisfied with the coverage and it fits your budget, then you can opt for it.


Insurance companies let their customer customize the insurance plan they are looking to purchase as per their requirement. It is easier in the case of individual health insurance coverage because it depends on one person to make the changes in the desired insurance plan.

In the case of non-employer group health plans, several people are involved. Since a single member or the owner of the group purchase the insurance plan on behalf of everyone. It can become a bit hectic for the group owner to purchase an insurance plan that could fulfill each and everyone’s requirements in the group. Also, if a member of the group leaves the group then he/she will no longer be covered under the non-employer group health insurance plan.


Whether it is individual health insurance or non-employer group health insurance. It is suggested by the insurance experts to learn about the policy properly and then purchase it. Also, every insurance policy comes with a different set of terms and conditions so be very keen while selecting the insurance policy.

Written By: PolicyBazaar - Updated: 28 March 2022
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