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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?

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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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Non-duplication of coverage coordination of benefits is a provision that prevents an individual from being reimbursed more than 100% of their total expenses by multiple insurance policies. The provision dictates that if a person has coverage under more than one policy, the combined benefits cannot exceed the total cost incurred. This ensures that insurance companies coordinate payments to avoid overpayment.


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