1. The team's risk choice replaces the individual's risk choice. In group health insurance, fuse does not select every member of the group, which saves everyone's physical examination. The focus of risk selection is the qualification of the insured group, the nature and danger of the work and the size of the team.
2. Use the master strategy. The insured group is the holder of the insurance policy, and each insured in the group only holds the insurance certificate.
3. Low cost and high security.
Group health insurance takes the form of collective insurance, collective payment and collective management, which has the characteristics of economies of scale, saves management costs and reduces expenses.
The insurance plan is flexible.
For large-scale organizations, they can negotiate with insurance companies on the contents of insurance clauses, coverage, insurance amount and total expenses.