State RegulationsFL specificDifficulty 2/5
Which of the following would most appropriately be insured under a Florida blanket health policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Chapter 627, Florida Statutes, blanket health policies insure a defined class of persons exposed to a common hazard or activity — campers at a summer camp are a classic example, as are students, sports teams, and volunteers. The camp purchases one policy covering every camper during camp activities, with no individual underwriting. An individually purchased major medical plan, individually underwritten executives, and a joint life policy are not blanket coverage.
Why the other options are wrong
- A) An individual major medical policy for one family is individual insurance, not blanket class coverage.
- B) A group of executives individually underwritten and rated is the opposite of blanket coverage, which uses no individual underwriting.
- C) A joint life policy is a life insurance product for two insureds, not blanket health coverage for a class.
Memory hook
Campers, students, teams — classes with a common risk.