In California, blanket insurance is a type of health insurance that:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California defines blanket health insurance (CIC Section 10270.2) as coverage issued for a group or class of persons under defined conditions — for example, students, campers, or athletes — without individually naming each covered person. Because the insureds are a defined class rather than named individuals, individual certificates are generally not issued. Blanket policies are issued to a sponsoring organization or property owner that arranges coverage for the class, and they remain fully subject to California insurance regulation. A typical example is a policy covering an entire school's students during a field trip, where naming every child would be impractical, and the insureds are identified by their membership in the covered class.
Why the other options are wrong
- B) Issuing a separate policy and certificate to every covered individual describes group or individual insurance, not the blanket form, which covers an unnamed class.
- C) Blanket insurance covers a class of persons, not a single named individual and family; that is an individual policy structure.
- D) Blanket insurance is regulated like any other health coverage in California; there is no regulatory exemption.
Memory hook
Blanket = a warm cover over a whole class — campers, athletes, travelers — no names listed, no individual certificates.