What key components must be included in a health insurance policy contract?

In a health insurance policy contract, it is essential to include coverage terms, exclusions, and the insured's rights. Coverage terms outline what medical services are included, the extent of the coverage, and any limitations that might apply. Exclusions specify what is not covered by the policy, helping policyholders understand the gaps in their coverage. Additionally, detailing the insured's rights is crucial as it informs them of their entitlements under the policy, such as the right to appeal a denied claim and the process to do so. These components collectively ensure that the policyholder is fully aware of their coverage and can make informed decisions regarding their healthcare.

The other options do not encompass the comprehensive details needed in a health insurance contract. While policyholder information is relevant, simply identifying treatment facilities does not provide a complete picture of coverage. Premium amounts and payment schedules are important but only represent a financial aspect, missing key details about the actual coverage and rights. Finally, including only the insurer's name and a signature line is far too minimal for a binding policy, lacking any substance regarding what is provided or required under the contract.