What must a group health certificate for coverage issued in Connecticut include?

In Connecticut, a group health certificate for coverage is required to contain a summary of policy features and benefits. This summary provides crucial information to the insured individuals regarding what the insurance policy entails, including the scope of coverage, benefits offered, and any limitations or conditions associated with the policy. The inclusion of this summary is essential for ensuring that members of the group understand their rights and the extent of the coverage they are receiving.

While other components such as a list of insured employees, a premium payment schedule, and exclusionary clauses may be relevant to the administration of the plan or its terms, they are not mandated to be part of the group health certificate itself. The primary goal of the certificate is to accurately represent the benefits and features of the policy to the insured, allowing them to make informed healthcare decisions and understand what is covered under their group health insurance plan.