Definition - What does Health Certificate mean?
A health certificate is an official document that describes the health status of an individual. These documents must be signed by a health professional in order to be legitimate. In the context of insurance, health certificates can be used in both life insurance and health insurance.
Insuranceopedia explains Health Certificate
Health certificates can be used in life insurance as part of the policy approval process. Since applicants who are in very poor health or have a terminal illness represent much higher risks to the insurance companies, it is important for insurers to know a person's health status before selling them a policy. Health certificates are an efficient way for insurers to confirm the health status of a potential policyholder.
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