State RegulationsOH specificDifficulty 1/5
A blanket insurance policy, as contemplated by ORC 3923.13, is best described as:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Blanket policies issued under ORC 3923.13 are designed for groups whose membership changes constantly — such as students, travelers, or event participants — and they cover eligible persons in the group without individual applications or individual medical underwriting. The defining features are the fluid group and the absence of person-by-person underwriting.
Why the other options are wrong
- A) Individual medical examination of each covered worker is the opposite of blanket coverage, and the blanket form is not limited to one employer's full-time staff.
- B) Direct-response marketing is a distribution method, not the defining feature of a blanket policy.
- D) Guaranteed issue for small employers is governed by ORC 3924.03, not the blanket policy rules of ORC 3923.13.
Memory hook
Blanket = a fluid group covered wholesale — no individual underwriting, one policy.