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According to my colleague in United States, COB is a Group Insurance provision and does not apply to individual business.

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Q: Coordination of Benefits individual and group?
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What type of benefits does the company ENCON offer its customers?

The company ENCON offers business benefits for smaller companies. These include group benefits, individual contracts, and employee benefits for customers.


What is coordination of benefits?

Coordination of benefits allows a person which is covered by more than one health care plan ensures that he/she receives the benefits of a plan where he/she belongs. This is one way of protecting and avoiding over payment in a plan.


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Group health insurance is more beneficial than individual group plan because it comes to the individual for free. This is the best way one can get health insurance and medical benefits while saving money.


What are the cost advantages of choosing group insurance over individual insurance?

The cost advantages of choosing group insurance over individual insurance include discounted prices, group benefits, and coverage for families/dependents. The other benefit is that you can pay pretax.


What are group benefits?

Group benefits are financial benefits that are available to a group of people such as company employees. Insurance and pensions are included in group benefits.


Why groups have leaders?

to control the group and maintain coordination between group members and to led the group


What is the purpose of Coordination of benefits clauses?

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What does Coordination of Benefits mean?

We have coordination of benefits with Sunlife Assurance. What happens if I exceed my yearly limit of physiotherapy - does my spouse's insurance will pay for the amount above the limit and what is his limit then and if it will effect his yearly allowance or not. Also if he exceeds his limit, what happens then?