Benefit for benefit, group insurance is usually cheaper than personal insurance. And, everybody in the group (under age 60) is normally charged the same premium, no matter what their age is.

-The employer purchases the insurance as an employee benefit.
-Cost determined by group size, not members’ ages.
-There are tax advantages to this type of group.

-The teachers of a school form their own group without school support in order to take advantage of the lower cost of   group insurance.
-Cost determined by group size, not members’ ages.
-There are no tax advantages for this type of group.
-Requires one member to be responsible for the group.

-A group of people who regularly meet together in support of common interest.
-Fixed premium cost for all members, regardless of age. Charged the same premium as a 5 member group, no   matter how large the group.
-There are no tax advantages to this type of group.
-A group leader needs to be responsible for the group.

-It is possible to form an employer mini-group with only 3 people.
-An independent teacher group requires 5 members.
-An Association requires 5 members.
-Once the base group has been established, family members can be added to increase the size of the group and   qualify it for a lower premium - except in the case of an Association group.  
-Thai-based personal health insurance purchased for an employee of a registered company may be tax deductible   even if the employee is the owner of the company.