State RegulationsFL specificDifficulty 1/5
Which characteristic distinguishes blanket health insurance from ordinary individual health insurance in Florida?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Chapter 627, Florida Statutes, the defining characteristic of blanket coverage is that it attaches to a defined class as a whole: members are insured automatically when they enter the class, with no individual applications, medical examinations, or individual proof of insurability. Pricing and issuance rest on the class, not the individual. That is why camps, schools, and teams can cover everyone with one policy.
Why the other options are wrong
- B) No individual medical examination is required for blanket coverage; eligibility flows from membership in the class.
- C) Premiums are not quoted member-by-member based on individual health history in blanket coverage.
- D) Blanket coverage is not renewed member-by-member; the policy covers the class continuously as membership changes.
Memory hook
No exams, no apps — the class is the risk.