Group insurance covers eligible members under a shared arrangement, often purchased by an employer, association, or institution. A master insurance policy sets benefits and membership conditions, while individual members may receive certificates or benefit summaries. Coverage can include life, health, or personal accident protection.
A Nepalese employee should check when membership starts and what happens after resignation, retirement, or extended leave. Employer-paid coverage may end when employment ends and may not be portable. Review benefit limits and dependants' eligibility rather than assuming all staff receive identical protection.