Section 031-375-4 - Terms of Coverage1. A group policy must provide insured group members with terms of coverage that are no less favorable to the insured than would be required for comparable nongroup policies, at rates that are neither inadequate, excessive, nor unfairly discriminatory.2. No group policy or certificate shall contain any deductible or self-insured retention shared among group members or applicable to the group itself, and a certificate under a group policy may only provide for a deductible or self-insured retention if it is applicable to the group member strictly on an individual basis.3. No group policy or certificate shall be subject to any group or sub-group aggregate liability limit.Any liability limit applicable to a group member shall: (A) be separate and apart from any liability limit to which any other group member insured under the group policy may be subject; and(B) operate unaffected by the experience of any other group member or the overall experience of the group itself.02-031 C.M.R. ch. 375, § 4