Certificate of Insurance

A certificate of insurance is an official document issued by an insurance company that summarizes the key details of your coverage. It serves as proof that you are insured and outlines the essential terms of your policy, including the type of coverage, effective dates, benefit limits, exclusions, and any dependents or beneficiaries listed under the plan.

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In group insurance, such as employee health or dental benefits, each member receives a certificate of insurance instead of the full master policy. This document confirms participation in the group plan and specifies the benefits available to the employee and their eligible dependents. In individual plans, the certificate functions as a simplified summary that accompanies the full policy contract, providing an easy reference for coverage details.

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The certificate is often required as proof of insurance when filing claims, coordinating coverage with another insurer, or confirming eligibility for travel or employer-related purposes.

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Example:

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If you are enrolled in an employee benefits plan, your certificate of insurance lists details such as the start date, drug coverage percentage, dental maximums, and your insurer’s contact information. It acts as your personal record of coverage within the larger group policy.

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What to Watch For:

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Keep your certificate of insurance in a safe place and review it whenever your policy renews or changes. Ensure that the information, including dependents and benefit levels, is accurate. The certificate is a summary, not the full legal contract, so always refer to the complete policy wording for detailed terms and conditions.