What is true regarding a group accident and health policy issued to an employer?

In the context of group accident and health insurance policies issued to employers, it is standard practice for the employer to receive the master policy. This master policy outlines the coverage details, terms, and conditions of the insurance plan. Each employee covered under this group policy then receives a certificate of insurance, which serves as proof of coverage and provides them with information about their specific benefits. This structure simplifies administration for the employer and allows for a collective coverage approach, making it more efficient and cost-effective for both the employer and employees.

The choice regarding every employee receiving the policy directly doesn't align with how group policies operate, as it is common for the employer to hold the master policy. The idea that the policy is only for key employees does not reflect the inclusive nature of group policies, which are typically designed to cover all eligible employees rather than a select few. As for the requirement for employees to enroll to receive benefits, while enrollment may be necessary for individual participation in the plan, the grouped nature of the coverage often means employment itself may be adequate for coverage eligibility, as long as the employee meets the plan’s requirements.