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

The statement that the employer receives the policy and each employee is issued a certificate is accurate for group accident and health policies. In these policies, the employer typically holds the master policy, which outlines the coverage terms, benefits, and conditions of the insurance.

Each employee covered under the plan receives a certificate of insurance, which serves as proof of coverage and details the benefits they are entitled to as part of the group policy. This structure allows the employer to manage the policy while still ensuring that employees have documentation of their individual coverage rights and benefits. The certificate simplifies communication about the policy's provisions without requiring every employee to hold a separate contract with the insurance provider.

This setup also indicates collective risk management, as policies are designed for groups, typically resulting in better rates and coverage options compared to individual policies.