State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Blanket health insurance is best characterized as coverage that:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Blanket health insurance covers a class or group of persons, such as school students, campers, athletes, or volunteer workers, without identifying each individual at the time the policy is issued. The master policy is held by an organization, and the individuals are covered because they belong to the defined class. This contrasts with individual insurance, where each insured is named and underwritten. California recognizes blanket coverage under CIC Section 10270.2.
Why the other options are wrong
- B) Blanket insurance deliberately avoids individual underwriting; members of the class are covered without medical questionnaires.
- C) Individual certificates and separate policies are not issued under blanket coverage; the class is covered under one master policy.
- D) Blanket coverage applies to a changing class of people, not lifetime coverage of one named individual.
Memory hook
Blanket = cover the whole class, no names on the policy. Students, athletes, campers, a coverlet for the group.