What’s the difference?

Typically, this refers to health insurance coverage offered by a company to all its employees as an employment benefit.

A health insurance plan for a single, insured person, his/her spouse/partner and/or dependants.

While the specifics will vary from company to company, group health insurance plans typically offer fixed and uniform coverage for all covered persons. Some employers will offer the option of covering employees’ dependents too.
Group health insurance plans are also available as local health benefits (for Singapore only) or global health benefits for worldwide coverage.

Individual health insurance plans are customised to specific needs and coverage requirements.

For employees, group health insurance is usually made available for free or at a subsidised cost by their employer.

Individual health insurance premiums will depend on the coverage as well as specifications related to the applicant’s age, health, family medical history, etc.

For employees, group health insurance is a low-cost or no-cost way to gain medical and healthcare coverage.

More flexibility in tailoring the coverage to meet personal needs, including the option to add more benefits in the form of riders.

Coverage is defined by the employer, not the employee, and may not satisfy individual needs.
Coverage is usually non-portable, which means it ends when employment ceases.

Premiums are not paid for or subsidised by the employer.