A physician fee for a routine office visit averaged $89 in the U.S., also followed by Switzerland, at $64. U.S. was second on the list for total facility and physician costs for cataract surgery, averaging $3,748.
A certificate of insurance is nothing more than proof of insurance coverage. While it sounds officious, a certificate holder is only the entity to whom the certificate of insurance was issued upon request. Certificate of insurance forms have a special place on them to add the name and address of the certificate holder.
Your insurance carrier -- at your request -- would list them as a certificate holder on your policy, unless the landlord requires that he be additionally insured to protect his interests. Some insurance companies will raise your insurance premium when you add an additional insured to your policy.