What document is issued to employees as proof of their coverage?

The document that is issued to employees as proof of their coverage is the Certificate of Coverage. This certificate serves as an official statement from the insurer detailing the specific benefits and coverage that an employee receives under a group health plan or insurance policy. It is essential because it provides verification of insurance coverage and outlines the terms, benefits, and limits associated with that coverage, making it a crucial document for employees.

By providing this certificate, insurers ensure that employees understand their health benefits and can access the medical services covered under their plan. This document is often required when making claims for benefits or when seeking care from healthcare providers, ensuring that both the employee and the provider have clear documentation of the coverage.

The other options, while related to insurance, do not serve the same purpose as the Certificate of Coverage. A policy statement outlines the terms of the entire insurance policy but is not specific to an individual employee's coverage. A coverage summary may provide an overview of benefits, but it typically lacks the detailed and formal recognition of coverage that a certificate offers. An insurance validation card is primarily used for identification purposes and may not include comprehensive details about the coverage provided. Thus, the Certificate of Coverage is the definitive document that serves as proof of benefits for employees.