Quote Originally Posted by dragonrider
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.
sigh... no.. there is group insurance and within the group insurance you can have a blanket policy.

Many corporations will pay a premium to have this blanket coverage included, but don't take my word for it. Granted I only sold the crap, and quit because of a moral dilema I felt at times... but feel free to inquire. :hippy:

Group and Blanket are indeed two seperate terms meaning two seperate things, but you can have policies that utilize both.