Group Insurance is the most advantageous form of insurance for both the insurer and the insureds. Insurer gets many (sometimes several thousand) insureds that can be administered much easier than the same number of individual policies. Also, insurer gets a group of customers that didn't seek insurance for some particular reason (being at higher-than-average risk) but are more or less a statistical sample of general population. This way insurers avoid the risk of adverse selection and are able to charge the same price per premium for all the members of given group. Another big winner in group insurance are the members of group (typically employees) that actually are at high risk – in the case of health insurance, employees with some serious illness. Such persons would either be uninsurable otherwise or would at least pay very high premiums. When pooled in a larger group, they do not pose a special burden to the insurer and get the same conditions as anyone else. General health care in some countries is based on the same principles as the group insurance, the group being whole population.