Quote Originally Posted by daihashi
Blanket is a term that can be used in many types of policy write ups. It is usually written for larger companies who have a number of employees to be able to cover them all. Typically this type of insurance is usually available through larger companies; corporations such as exxon-mobil, microsoft or any other large company.

Blanket can be used in Life insurance, health or other things.

Feel free to take your Group 1 license and Health Insurance license to find out for yourself . The test varies from state to state but is pretty close to being the same regardless of where you are in the US.
Well, this might have been a quibble on my part. And I'm certainly in no position to argue, because I don't have a license, and I do not work in insurance. But I think the point you were making to Bigweed is that employers offer coverage to groups of employees, without indvidual employees having to qualify --- individuals are not denied based on pre-existing conditions, which is what he was worried about. I think the kind of insurance in which a group is covered without inidividuals having to qualify is called "group insurance."

Maybe "blanket" is used in health insurance as well, but I don't think the term refers to the idea that individuls don't have to qualify. I think it has more to do with insuring classes of things at multiple locations --- I don't know how that would apply to health insurance, but maybe it would refer to a policy that covers a class of employees in multiple factories? I've only ever heard it used in reference to property/casualty coverage, so I do not know what it means in relation to health insurance.

Anyway, I think the term "group insurance" ALWAYS refers to insuring a group, without individuals having to qualify. While "blanket" might refer to that kind of thing as well, but it might also have a lot of different meanings that do not mean individuals do not have to qualify.

Whatever. Like I said, I don't work in this field. But I think you are always safe calling it "group insurance" when you refer to a policy that covers a group, without individuals having to qualify.