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In a group insurance policy, the organization or employer acts as the policyholder. The insurer issues a master contract to cover all eligible members. The cost is often shared between the employer and employees, or fully paid by the employer as part of an employee benefits package.
Group insurance is a type of insurance policy that covers a group of people under a single contract. Typically, it is offered by employers, associations, or organizations to their employees or members. Instead of purchasing individual policies, group members enjoy insurance benefits as part of a larger plan. The most common example of group insurance is the health coverage provided by companies to their staff.

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