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.
A certificate holder is only a certification that I, as a certificate holder, will be notified by the contractor's insurance policy writer of the status or any changes to the contractor's insurance policy (like expiration, etc.) It offers no indemnification to the homeowner.