CODE OF VIRGINIA

BLANKET ACCIDENT AND SICKNESS INSURANCE (§ 38.2-3521.2)

A. As used in this section, “blanket insurance” means that form of
limited accident and sickness insurance defined as an “excepted
benefit” under § 38.2-3431, providing coverage for specified
circumstances and specific classes of persons defined in a policy issued to a
master policyholder and not by specifically naming the persons covered, by
certificate or otherwise, although a statement of the coverage provided may be
given, or required by the policy to be given, to eligible persons.

B. An individual application need not be required from a person covered under a
blanket insurance policy.

C. No insurer issuing a blanket insurance policy shall be required to furnish a
certificate to each person covered by the policy.

D. A blanket insurance policy may be issued or issued for delivery in the
Commonwealth if it conforms to one of the following descriptions:

   1.  A policy or contract issued to any common carrier or to any operator,
   owner, lessor or lessee of a means of transportation, which shall be deemed
   the policyholder, which policy or contract covers a group defined as all
   persons who may become passengers, renters, lessors, lessees, or operators
   defined by their travel status on such common carrier or means of
   transportation.

   2.  A policy issued to an employer, who shall be deemed the policyholder,
   covering any group of workers, dependents or guests defined by reference to
   hazards incident to any activity or activities or operations of the
   policyholder.

   3.  A policy issued to a college, school, or other institution of learning, a
   school district or districts or school jurisdictional unit, or to the head,
   principal, or governing board thereof, who or which shall be deemed the
   policyholder, covering students, parents, teachers, employees, or volunteers.

   4.  A policy issued in the name of any volunteer or governmental fire
   department, first aid, civil defense, or other such volunteer group, which
   shall be deemed the policyholder, covering any group of the members,
   participants, or volunteers incident to any activity or activities or
   operations sponsored or supervised by such department or group.

   5.  A policy or contract issued to a sports team, camp, or sponsor thereof,
   which shall be deemed the policyholder, covering participants, members,
   campers, employees, officials, supervisors, or volunteers.

   6.  A policy or contract issued to a religious, charitable, recreational,
   educational, or civic organization or branch thereof, which shall be deemed
   the policyholder, covering any group of members, participants, or volunteers
   defined by reference to specified hazards incident to any activity or
   activities or operations sponsored or supervised by or on the premises of such
   policyholder.

   7.  A policy or contract issued to a restaurant, hotel, motel, resort,
   innkeeper, or other group with a high degree of potential customer liability,
   which shall be deemed the policyholder, covering patrons, guests, or
   volunteers.

   8.  A policy or contract issued to an entertainment production company, who
   shall be deemed the policyholder, covering any group of participants,
   volunteers, audience members, contestants, or workers.

   9.  A policy or contract issued to a health maintenance organization, a health
   care provider or other arranger of health services, which shall be deemed the
   policyholder, covering subscribers, patients, donors, and surrogates provided
   that the coverage is not made a condition of receiving care.

   10.  A policy or contract issued to a bank, association, financial or other
   institution, vendor, or to a parent holding company, or to the trustee,
   trustees, or agent designated by one or more banks, associations, financial or
   other institutions, or vendors under which accountholders, credit card
   holders, debtors, guarantors, or purchasers are insured.

   11.  A policy or contract issued to an incorporated or unincorporated
   association of persons having a common interest or calling, which association
   shall be deemed the policyholder, formed for purposes other than obtaining
   insurance, covering members or participants of such association.

   12.  A policy or contract issued to a travel agency, or other organization
   that provides travel related services, which organization shall be deemed the
   policyholder, to cover all persons for which travel related services are
   provided.

   13.  A policy issued to any other risk or class of risks which, in the
   discretion of the Commission, may be subject to the issuance of a blanket
   accident and sickness policy. The discretion of the Commission may be
   exercised on an individual risk basis or class of risks, or both.

E. Notwithstanding any other provision of this title, any benefits that are
payable under a blanket insurance policy shall be paid directly to the person
covered under such policy.

HISTORY: 2014, c. 350.