A policyholder is the person who buys a health insurance policy. The policyholder pays the premiums, and the coverage typically applies to them and any eligible dependents listed on the policy.

The policyholder and the insured person may be different in some cases. For example, if an employer provides health insurance as a benefit, the policyholder is the employer, and the insured are the employees. In most cases, however, the policyholder and insured are the same person.

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Responsibilities of a Policyholder
As the policyholder, you are responsible for ensuring that your health insurance premiums are paid on time. If you miss a payment or make late payments, your health insurance coverage may be terminated.

As a policyholder, you are also responsible for any deductibles that may apply to your policy. A deductible is the amount of money you must pay out of pocket before your health insurance plan begins to pay for covered services. For example, if you have a N5000 deductible and go to the doctor for a N1000 bill, you must pay the entire N1000 because it has not yet met your deductible.

It's also important to understand that just because you have a policy doesn't mean you're automatically covered by your health insurance plan. You must also be an eligible insured person on the plan to be covered.

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