Certificate of Coverage

Definition - What does Certificate of Coverage mean?

A certificate of coverage is an official contract that outlines what an insured is entitled to, and what they aren't insured for, under a health insurance policy.

Insuranceopedia explains Certificate of Coverage

This document details all the benefits that a health insurance policyholder can avail themselves of. It also discloses all the exemptions and exclusions from the policy.

The certificate of coverage also tells the insured how they can access those benefits. It will specify, for instance, what treatment or procedure entails a deductible or copayment.

The insured can get this document upon request and is free of charge. It is advised that anyone with a health insurance gets a copy so they know exactly what kind of coverage they have.

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