In a group insurance plan, what is the status of an employee who is accepted into the plan?

In a group insurance plan, once an employee is accepted into the plan, they are typically referred to as a certificate holder. This is because, in group insurance, the employer holds the master policy, and individual employees receive a certificate of insurance that outlines their coverage details. The certificate acts as proof of their participation in the group plan.

The other terms do relate to insurance but in different contexts. The policyholder is usually the employer or organization that purchases the group insurance policy. Members can refer to individuals covered under a plan but is a more general term and does not specifically capture their status in the context of group insurance where a certificate is issued. The beneficiary is someone designated to receive benefits upon the insured individual's death or under specific conditions, rather than being a direct participant in the insurance plan. Therefore, 'certificate holder' accurately describes the role of an employee who is covered under a group insurance policy.