master policy

noun Insurance.
a single policy covering a group of people, typically employees of a company, issued to an employer.
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Based on the Random House Dictionary, © Random House, Inc. 2014.
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Example sentences
Health care coverage occurs under a master policy issued to the employer or
  other group.
There is no master policy record, the policy number alone cannot be used to
  apply updates.
In some cases, where coverage is provided under the master policy, you may
  still be responsible for the deductible.
The experience modifier does not follow the employer into the master policy.
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