In group medical insurance, the single contract issued to an employer is known as what?

• A. Certificate of coverage
• B. Individual policy
• C. Master policy
• D. Policy rider

Answer: (C)

In group medical insurance, the single contract issued to the employer is the master policy. This master policy lays out the plan’s terms, benefits, eligibility rules, and premium arrangements that apply to all covered employees and their dependents. Individuals don’t hold separate contracts under this arrangement; instead, they receive certificates of coverage, which document the benefits they are entitled to under the master policy. An individual policy would be a contract for a single person, which isn’t how group plans are structured. A rider is an amendment that adds or changes coverage within a policy, not the overarching contract issued to the employer.