What is generally required to be attached to a group health insurance policy regarding applications?

In the context of group health insurance policies, it is typically required to attach a copy of the application to the policy. This is important because the application contains vital information about the coverage, the members being insured, and any disclosures that might affect the policy's terms. Including the application ensures that all parties have a mutual understanding of the coverage being provided, helps establish clear terms for the insurance contract, and serves as a record of the underwriting process.

Having a copy of the application as part of the official policy documentation is essential for both accountability and clarity. It allows insurers to reference the original information provided by the group in case of future disputes or clarifications needed regarding covered members or conditions.

In contrast, attaching a signed copy of the proposal, an endorsement from a broker, or an independent audit report is not standard practice for group health insurance policies. While these documents may serve various functions in the insurance process, they are not as fundamental as the application itself in context to the binding agreement of coverage.