Populationsförsäkring

Populationsförsäkring, often translated as group insurance or collective insurance, refers to insurance policies that cover a defined group of individuals, rather than just one person. This group is typically associated through a common affiliation, such as employment, membership in an organization, or residency in a particular area. The primary characteristic of populationsförsäkring is that the insurance terms and premiums are generally standardized for the entire group, with individual risk assessment often being less significant or absent.

Common examples of populationsförsäkring include employer-sponsored health insurance, life insurance plans offered to union members, or accident insurance provided to students. The insurer assesses the overall risk of the group rather than each individual, which can lead to more favorable premiums compared to individually purchased policies, especially for groups with a lower average risk profile.

The administration of populationsförsäkring is usually handled by the group representative, such as an employer or association, who negotiates the policy with the insurance provider and manages enrollment and premium collection. This collective approach simplifies the insurance process for both the insurer and the insured individuals, making it an efficient way to provide coverage to a large number of people. The terms of the coverage are determined by the agreement between the group and the insurance company.