Companion Benefit

What is a Certificate of Coverage?

A Certificate of Coverage (COC) is a document issued by health insurance providers to verify the existence and details of an individual's health insurance policy. It outlines the types of medical services covered, the policy's effective dates, and other important information regarding the insurance coverage.

When Do You Need COC?

1. Buy Individual Health Insurance Plan: If you have to purchase an individual plan after the cancellation of a group health insurance plan, COC is required. This is applicable in Abu Dhabi. 
2. Visa Applications: Required when applying for visas to certain countries that mandate proof of health insurance
3. Medical Services Abroad: Used to receive healthcare services abroad under international health insurance coverage

Benefits of COC in Healthcare

1. Proof of Insurance: Acts as official proof that an individual is insured, which is essential for regulatory or employer requirements
2. Facilitates Healthcare Abroad: Helps in accessing healthcare services in foreign countries under international health coverage agreements
3. Prevents Penalties: Adheres to  health insurance laws in countries that require mandatory health insurance, avoiding potential legal penalties

What Does the Certificate of Coverage Include?

The Certificate of Coverage typically includes the following details —

1. Policyholder’s Name: Identifies the insured individual
2. Policy Number: Unique identifier for the insurance policy
3. Effective Dates: Start and end dates of the insurance coverage
4. Covered Services: Types of medical services and treatments covered under the policy
5. Coverage Limits: Maximum amounts payable under the policy
6. Exclusions: Specific conditions or treatments that are not covered

Beneficiary Information: Details of who else is covered under the policy such as dependents