In human anatomy, the groin is the junctional area between the abdomen and the thigh on either side of the pubic bone.
In colloquial language
This woman's hand is covering her crotch
and genitals, but not her groins, which are just above the <P> and </P> marks. Still, in colloquial language it would be common to say she "covers her groin".
Sometimes the word "groin" is also used to refer to the pubic area or more precisely to the genital area. This usage is from the days when for Puritan reasons it was considered inappropriate to use any word that refers to the genitals. This usage is found, for example, in expressions such as hands or clothes "covering the groin", or in phrases like "kick to the groin" and "groin attack" in fights and self-defense.