Exhibit 23.1

                         CONSENT OF INDEPENDENT AUDITORS

We consent to the incorporation by reference in the Registration Statement (Form
S-8 No. 33-62657) pertaining to the Ceres Group, Inc. 401(k) Plan of our report
dated March 4, 2003, except for Notes A, F and O as to which the date is March
31, 2003, with respect to the consolidated financial statements and schedules of
Ceres Group, Inc. included in this Annual Report (Form 10-K) for the year ended
December 31, 2002.




Cleveland, Ohio
March 31, 2003