Blanket medical expense insurance, as recognized under California law, is best described as:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Blanket insurance covers an entire class of persons without listing each covered individual by name — for example, students, campers, or athletes participating in a sponsored activity. CIC Section 10270.2 recognizes blanket disability insurance as covering groups whose members are not identified individually at the time the policy is issued. Individual underwriting is not used because membership in the covered class, rather than individual health, determines eligibility. This makes blanket coverage practical for large, frequently changing groups such as students.
Why the other options are wrong
- B) Blanket plans do not individually underwrite members; eligibility comes from belonging to the covered class, such as being enrolled in the school.
- C) Issuing separate coverage to each named dependent describes individual or family policies, not blanket coverage.
- D) Automatic conversion to Medicare is unrelated to the blanket insurance concept.
Memory hook
Blanket = one policy over a crowd; nobody is named on the tag, membership in the group is enough.