State RegulationsFL specificDifficulty 1/5
How is group blanket health insurance best defined under Florida law?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under Chapter 627, Florida Statutes, blanket health insurance is issued to a policyholder — such as an employer, school, camp, or association — to cover a defined class of persons for hazards arising out of a common exposure or activity. Coverage attaches to the class rather than to individually named insureds, which is why no individual underwriting is done. The single policy covers everyone in the described class during the covered activity.
Why the other options are wrong
- A) A family covering multiple generations under one contract is not blanket insurance; blanket coverage requires a defined class tied to a policyholder and a common exposure.
- C) A 'blanket exclusion' for preexisting conditions is a misuse of the term; blanket refers to class-based coverage, not to exclusions.
- D) Blanket coverage does not depend on individual elections or individual underwriting; it applies to the class as a whole.
Memory hook
Blanket covers the whole class under one policy.