Under California Insurance Code Section 10270.5, a group disability policy may be issued to a school district covering which of the following?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 10270.5(a)(6) expressly permits group disability policies to be issued to school districts, their governing boards, private or parochial schools, or the person in charge, insuring not less than 50 pupils for death or dismemberment from accident or hospital, medical, and surgical expense from accidents occurring while pupils are on school premises, required to be there for attendance, being transported to and from school, or at school-sponsored activities. The coverage is accident-oriented and tied to school-related circumstances, which is an unusual but tested California eligible-group rule under AH-III.B.1a. Recognizing the 50-pupil minimum and the accident-related scope is the point of the question.
Why the other options are wrong
- B) The statutory provision insures pupils, not teachers, and the benefits are accident-related rather than full major medical coverage.
- C) The minimum is 50 pupils, not 500, and the benefits are accident-related rather than comprehensive preventive care.
- D) The policy must cover a group of not less than 50 pupils; a single student cannot be the insured group.
Memory hook
School coverage: 50-plus pupils, accident-only, on campus or on the bus.