State RegulationsFL specificDifficulty 1/5
Which is a required provision of a Florida blanket health policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Chapter 627, Florida Statutes, a blanket policy must describe the class of persons covered, because the description of the class — not a list of names — determines who is insured as members enter and leave. This required provision is what makes blanket coverage work: the insurer knows the population it covers, and members know they are insured while they belong to the class. Individual naming and individual re-underwriting would defeat the class-based nature of blanket insurance.
Why the other options are wrong
- B) Naming every insured individually is incompatible with blanket coverage; the class description identifies the insureds.
- C) New members joining the class are covered automatically; blanket policies are not closed to later entrants.
- D) Blanket coverage is not re-underwritten member by member at renewal; the class as a whole is rated.
Memory hook
Describe the class, insure the class.