In an accident and health policy, which documents constitute the entire contract?

• A. Endorsements only
• B. Attached papers only
• C. The policy, endorsements, and attached papers
• D. The policy only

Answer: (C)

The entire contract is made up of the policy itself plus any endorsements and attached papers. These documents together define exactly what the insurer promises to provide, including benefits, limits, conditions, and any modifications from the original policy. Endorsements are changes or additions that alter the base coverage, and attached papers (such as riders or schedules) formally become part of the contract when attached to the policy. Without including both endorsements and attached papers, you’d miss the changes or additions that affect coverage. This is why the combination of the policy, endorsements, and attached papers best represents the complete agreement.