Someone who actually has coverage under your policy limits. Many times the hospitals will interchange Certificate Holder and Additional Named Insured. You should not list a hospital as an additional named insured or anyone other than an employed physician, ancillary personnel, or corporation for which you have ownership. Hospitals, Health Systems, Contractually connected Healthcare Companies are NOT an additional named insured on your policy. These entities carry their own coverage and we will diligently protect you from assuming that risk.