A school district buys a blanket accident policy covering students during athletic events and field trips. Which statement best describes blanket insurance under California law?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Blanket insurance under CIC Section 10270.2 covers a group whose composition changes frequently — such as students, campers, athletes, or passengers — without listing each member individually. Because membership fluctuates, the policy is written on a blanket basis and individual certificates are generally not issued to each covered person. Blanket coverage is an accident/health form, not a life insurance form, and it does not require individual medical underwriting. It is one of the group health coverage forms tested under AH-III.B.1c, and the California code definition makes this a CA-specific concept.
Why the other options are wrong
- B) Certificates are generally not issued for blanket coverage because members change constantly and are not individually identified in the contract.
- C) Blanket insurance is an accident/health coverage form covering a fluctuating group; it is not a group life policy and requires no per-member underwriting.
- D) Blanket policies commonly cover non-employer groups such as students, campers, and athletes; they are not limited to named employers.
Memory hook
Blanket = coverage over a shifting crowd (students, campers), no names, no certificates.