What provision in a health insurance policy ensures only included documents can be referenced?

The entire contract clause is a fundamental provision in a health insurance policy that states that the policy, along with any endorsements and riders, represents the complete agreement between the insurer and the insured. This clause ensures that only the documents that are explicitly included in the policy are relevant and can be referenced in the event of a claim or dispute. It prevents either party from relying on verbal statements or other documents outside of the official policy that could distort the understanding of coverage or conditions.

This clause is essential for maintaining clarity and consistency in the coverage provided, as it creates a binding agreement based solely on the written terms of the insurance policy. If any disputes arise, this provision reinforces that only the documented terms can be considered, offering legal certainty and protecting the interests of both parties involved.