State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Blanket health insurance under California Insurance Code Section 10270.2 is designed to cover:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Blanket insurance covers a defined class of persons in situations where identifying and insuring each individual separately is impractical, for example students on a school outing, campers, or participants in an athletic event. The policy covers the group as a whole without naming each insured, and individuals are insured by virtue of their membership in the covered activity. Section 10270.2 provides this California-specific authorization, and the concept is tested under the dependent and blanket coverage material in AH-III.B.1c.
Why the other options are wrong
- B) Blanket insurance covers a group, not a single named individual with a chronic condition.
- C) Blanket coverage is not restricted to government employees; it applies to many group activities.
- D) Partnership dependent coverage is a separate group benefit, not the definition of blanket insurance.
Memory hook
Blanket = one policy for a crowd, like a field trip class, not a named patient.