State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
A California insurer issues a policy to a school district covering "all students enrolled in the district" for injuries during school-sponsored activities, without naming individual students. This is best described as:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under California Insurance Code Section 10270.2, blanket insurance covers a specified class of persons by description rather than by naming each insured, with the policy issued to a master policyholder such as a school, sports team, camp, or volunteer fire department. Individuals are covered because they fall within the defined class and the covered activity, and no individual certificate of enrollment is required. This makes blanket coverage efficient for groups where members change frequently.
Why the other options are wrong
- B) Individual medical expense insurance is underwritten and issued to a named person, not to a class described in a master arrangement.
- C) A health savings account is a tax-advantaged savings vehicle, not a form of group insurance coverage.
- D) A self-funded association plan is prohibited in California for group medical purposes and is not how school blanket coverage works.
Memory hook
Blanket covers a class by description: students, campers, teams — no name-by-name enrollment needed.