{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-3521.2.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-3521.2.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-3521.2.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-3521.2.html"}],"law_id":62206,"edition_id":1,"section_id":62206,"structure_id":13628,"section_number":"38.2-3521.2","catch_line":"Blanket accident and sickness insurance","history":"2014, c. 350.","full_text":"A\n\nAs 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\n\nAn individual application need not be required from a person covered under a blanket insurance policy.C\n\nNo insurer issuing a blanket insurance policy shall be required to furnish a certificate to each person covered by the policy.D\n\nA blanket insurance policy may be issued or issued for delivery in the Commonwealth if it conforms to one of the following descriptions:1\n\nA 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\n\nA 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\n\nA policy issued to a school, an institution of higher education, a school district, school districts, or a 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\n\nA 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\n\nA 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\n\nA 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\n\nA 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\n\nA 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\n\nA 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\n\nA 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\n\nA 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\n\nA 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\n\nA 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\n\nNotwithstanding 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.","order_by":null,"text":{"0":{"id":226868,"text":"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.","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"B"},"1":{"id":226869,"text":"An individual application need not be required from a person covered under a blanket insurance policy.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A","next_prefix":"C"},"2":{"id":226870,"text":"No insurer issuing a blanket insurance policy shall be required to furnish a certificate to each person covered by the policy.","type":"section","prefixes":["C"],"prefix":"C","entire_prefix":"C","prefix_anchor":"C","level":1,"prior_prefix":"B","next_prefix":"D"},"3":{"id":226871,"text":"A blanket insurance policy may be issued or issued for delivery in the Commonwealth if it conforms to one of the following descriptions:","type":"section","prefixes":["D"],"prefix":"D","entire_prefix":"D","prefix_anchor":"D","level":1,"prior_prefix":"C","next_prefix":"D1"},"4":{"id":226872,"text":"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.","type":"section","prefixes":["D","1"],"prefix":"1","entire_prefix":"D1","prefix_anchor":"D1","level":2,"prior_prefix":"D","next_prefix":"D2"},"5":{"id":226873,"text":"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.","type":"section","prefixes":["D","2"],"prefix":"2","entire_prefix":"D2","prefix_anchor":"D2","level":2,"prior_prefix":"D1","next_prefix":"D3"},"6":{"id":226874,"text":"A policy issued to a school, an institution of higher education, a school district, school districts, or a 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.","type":"section","prefixes":["D","3"],"prefix":"3","entire_prefix":"D3","prefix_anchor":"D3","level":2,"prior_prefix":"D2","next_prefix":"D4"},"7":{"id":226875,"text":"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.","type":"section","prefixes":["D","4"],"prefix":"4","entire_prefix":"D4","prefix_anchor":"D4","level":2,"prior_prefix":"D3","next_prefix":"D5"},"8":{"id":226876,"text":"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.","type":"section","prefixes":["D","5"],"prefix":"5","entire_prefix":"D5","prefix_anchor":"D5","level":2,"prior_prefix":"D4","next_prefix":"D6"},"9":{"id":226877,"text":"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.","type":"section","prefixes":["D","6"],"prefix":"6","entire_prefix":"D6","prefix_anchor":"D6","level":2,"prior_prefix":"D5","next_prefix":"D7"},"10":{"id":226878,"text":"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.","type":"section","prefixes":["D","7"],"prefix":"7","entire_prefix":"D7","prefix_anchor":"D7","level":2,"prior_prefix":"D6","next_prefix":"D8"},"11":{"id":226879,"text":"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.","type":"section","prefixes":["D","8"],"prefix":"8","entire_prefix":"D8","prefix_anchor":"D8","level":2,"prior_prefix":"D7","next_prefix":"D9"},"12":{"id":226880,"text":"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.","type":"section","prefixes":["D","9"],"prefix":"9","entire_prefix":"D9","prefix_anchor":"D9","level":2,"prior_prefix":"D8","next_prefix":"D10"},"13":{"id":226881,"text":"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.","type":"section","prefixes":["D","10"],"prefix":"10","entire_prefix":"D10","prefix_anchor":"D10","level":2,"prior_prefix":"D9","next_prefix":"D11"},"14":{"id":226882,"text":"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.","type":"section","prefixes":["D","11"],"prefix":"11","entire_prefix":"D11","prefix_anchor":"D11","level":2,"prior_prefix":"D10","next_prefix":"D12"},"15":{"id":226883,"text":"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.","type":"section","prefixes":["D","12"],"prefix":"12","entire_prefix":"D12","prefix_anchor":"D12","level":2,"prior_prefix":"D11","next_prefix":"D13"},"16":{"id":226884,"text":"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.","type":"section","prefixes":["D","13"],"prefix":"13","entire_prefix":"D13","prefix_anchor":"D13","level":2,"prior_prefix":"D12","next_prefix":"E"},"17":{"id":226885,"text":"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.","type":"section","prefixes":["E"],"prefix":"E","entire_prefix":"E","prefix_anchor":"E","level":1,"prior_prefix":"D13"}},"ancestry":[{"id":13628,"edition_id":1,"name":"Group Accident and Sickness Insurance Policies","identifier":"3","label":"article","depth":3,"order_by":1,"parent_id":13348,"metadata":{},"date_created":"2026-06-26 03:45:25","date_modified":"2026-06-26 03:45:25","permalink":{"id":215739,"object_type":"structure","relational_id":13628,"identifier":"3","token":"38.2\/35\/3","url":"\/38.2\/35\/3\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13348,"edition_id":1,"name":"Accident and Sickness Insurance Policies","identifier":"35","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:44:41","date_modified":"2026-06-26 03:44:41","permalink":{"id":215641,"object_type":"structure","relational_id":13348,"identifier":"35","token":"38.2\/35","url":"\/38.2\/35\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":82746,"structure_id":13628,"section_number":"38.2-3521","catch_line":"Repealed","url":"\/38.2-3521\/","token":"38.2\/35\/3\/38.2-3521","metadata":false},{"id":83222,"structure_id":13628,"section_number":"38.2-3521.1","catch_line":"Group accident and sickness insurance definitions","url":"\/38.2-3521.1\/","token":"38.2\/35\/3\/38.2-3521.1","metadata":false},{"id":62206,"structure_id":13628,"section_number":"38.2-3521.2","catch_line":"Blanket accident and sickness insurance","url":"\/38.2-3521.2\/","token":"38.2\/35\/3\/38.2-3521.2","metadata":false},{"id":61357,"structure_id":13628,"section_number":"38.2-3522","catch_line":"Repealed","url":"\/38.2-3522\/","token":"38.2\/35\/3\/38.2-3522","metadata":false},{"id":67462,"structure_id":13628,"section_number":"38.2-3522.1","catch_line":"Limits of group accident and sickness insurance","url":"\/38.2-3522.1\/","token":"38.2\/35\/3\/38.2-3522.1","metadata":false},{"id":57697,"structure_id":13628,"section_number":"38.2-3523","catch_line":"Repealed","url":"\/38.2-3523\/","token":"38.2\/35\/3\/38.2-3523","metadata":false},{"id":71976,"structure_id":13628,"section_number":"38.2-3523.1","catch_line":"Review of records","url":"\/38.2-3523.1\/","token":"38.2\/35\/3\/38.2-3523.1","metadata":false},{"id":61669,"structure_id":13628,"section_number":"38.2-3523.2","catch_line":"Policies issued outside of the Commonwealth of Virginia","url":"\/38.2-3523.2\/","token":"38.2\/35\/3\/38.2-3523.2","metadata":false},{"id":59982,"structure_id":13628,"section_number":"38.2-3523.3","catch_line":"Requirements for those marketing group accident and sickness insurance","url":"\/38.2-3523.3\/","token":"38.2\/35\/3\/38.2-3523.3","metadata":false},{"id":84584,"structure_id":13628,"section_number":"38.2-3523.4","catch_line":"Minimum number of persons covered","url":"\/38.2-3523.4\/","token":"38.2\/35\/3\/38.2-3523.4","metadata":false},{"id":54597,"structure_id":13628,"section_number":"38.2-3524","catch_line":"Repealed","url":"\/38.2-3524\/","token":"38.2\/35\/3\/38.2-3524","metadata":false},{"id":78059,"structure_id":13628,"section_number":"38.2-3525","catch_line":"Group accident and sickness insurance coverages of spouses, dependent children or other persons","url":"\/38.2-3525\/","token":"38.2\/35\/3\/38.2-3525","metadata":false},{"id":70591,"structure_id":13628,"section_number":"38.2-3526","catch_line":"Standard provisions required; exceptions","url":"\/38.2-3526\/","token":"38.2\/35\/3\/38.2-3526","metadata":false},{"id":66611,"structure_id":13628,"section_number":"38.2-3527","catch_line":"Grace period","url":"\/38.2-3527\/","token":"38.2\/35\/3\/38.2-3527","metadata":false},{"id":71054,"structure_id":13628,"section_number":"38.2-3528","catch_line":"Incontestability","url":"\/38.2-3528\/","token":"38.2\/35\/3\/38.2-3528","metadata":false},{"id":80053,"structure_id":13628,"section_number":"38.2-3529","catch_line":"Entire contract; statements deemed representations","url":"\/38.2-3529\/","token":"38.2\/35\/3\/38.2-3529","metadata":false},{"id":59015,"structure_id":13628,"section_number":"38.2-3530","catch_line":"Evidence of individual insurability","url":"\/38.2-3530\/","token":"38.2\/35\/3\/38.2-3530","metadata":false},{"id":57577,"structure_id":13628,"section_number":"38.2-3531","catch_line":"Additional exclusions and limitations","url":"\/38.2-3531\/","token":"38.2\/35\/3\/38.2-3531","metadata":false},{"id":66450,"structure_id":13628,"section_number":"38.2-3532","catch_line":"Misstatement of age","url":"\/38.2-3532\/","token":"38.2\/35\/3\/38.2-3532","metadata":false},{"id":85603,"structure_id":13628,"section_number":"38.2-3533","catch_line":"Individual certificates","url":"\/38.2-3533\/","token":"38.2\/35\/3\/38.2-3533","metadata":false},{"id":72638,"structure_id":13628,"section_number":"38.2-3534","catch_line":"Notice of claim","url":"\/38.2-3534\/","token":"38.2\/35\/3\/38.2-3534","metadata":false},{"id":65149,"structure_id":13628,"section_number":"38.2-3535","catch_line":"Claim forms","url":"\/38.2-3535\/","token":"38.2\/35\/3\/38.2-3535","metadata":false},{"id":79101,"structure_id":13628,"section_number":"38.2-3536","catch_line":"Proofs of loss","url":"\/38.2-3536\/","token":"38.2\/35\/3\/38.2-3536","metadata":false},{"id":72065,"structure_id":13628,"section_number":"38.2-3537","catch_line":"Time of payment of claims","url":"\/38.2-3537\/","token":"38.2\/35\/3\/38.2-3537","metadata":false},{"id":65230,"structure_id":13628,"section_number":"38.2-3538","catch_line":"Payment of benefits","url":"\/38.2-3538\/","token":"38.2\/35\/3\/38.2-3538","metadata":false},{"id":69184,"structure_id":13628,"section_number":"38.2-3539","catch_line":"Physical examinations and autopsy","url":"\/38.2-3539\/","token":"38.2\/35\/3\/38.2-3539","metadata":false},{"id":77451,"structure_id":13628,"section_number":"38.2-3540","catch_line":"Legal actions","url":"\/38.2-3540\/","token":"38.2\/35\/3\/38.2-3540","metadata":false},{"id":58127,"structure_id":13628,"section_number":"38.2-3540.1","catch_line":"Claims experience","url":"\/38.2-3540.1\/","token":"38.2\/35\/3\/38.2-3540.1","metadata":false},{"id":82316,"structure_id":13628,"section_number":"38.2-3540.2","catch_line":"Employee wellness program","url":"\/38.2-3540.2\/","token":"38.2\/35\/3\/38.2-3540.2","metadata":false},{"id":55325,"structure_id":13628,"section_number":"38.2-3541","catch_line":"Continuation on termination of eligibility","url":"\/38.2-3541\/","token":"38.2\/35\/3\/38.2-3541","metadata":false},{"id":61422,"structure_id":13628,"section_number":"38.2-3541.1","catch_line":"Repealed","url":"\/38.2-3541.1\/","token":"38.2\/35\/3\/38.2-3541.1","metadata":false},{"id":63267,"structure_id":13628,"section_number":"38.2-3541.2","catch_line":"Enrollment following change in eligibility status under assistance programs","url":"\/38.2-3541.2\/","token":"38.2\/35\/3\/38.2-3541.2","metadata":false},{"id":75709,"structure_id":13628,"section_number":"38.2-3542","catch_line":"Notice to employees upon termination of coverage; penalty for failure to remit funds","url":"\/38.2-3542\/","token":"38.2\/35\/3\/38.2-3542","metadata":false},{"id":81170,"structure_id":13628,"section_number":"38.2-3543","catch_line":"Provisions required by other jurisdictions","url":"\/38.2-3543\/","token":"38.2\/35\/3\/38.2-3543","metadata":false},{"id":83285,"structure_id":13628,"section_number":"38.2-3543.1","catch_line":"Regulations","url":"\/38.2-3543.1\/","token":"38.2\/35\/3\/38.2-3543.1","metadata":false},{"id":65251,"structure_id":13628,"section_number":"38.2-3543.2","catch_line":"Applicability of laws","url":"\/38.2-3543.2\/","token":"38.2\/35\/3\/38.2-3543.2","metadata":false}],"previous_section":{"id":83222,"structure_id":13628,"section_number":"38.2-3521.1","catch_line":"Group accident and sickness insurance definitions","url":"\/38.2-3521.1\/","token":"38.2\/35\/3\/38.2-3521.1","metadata":false},"next_section":{"id":61357,"structure_id":13628,"section_number":"38.2-3522","catch_line":"Repealed","url":"\/38.2-3522\/","token":"38.2\/35\/3\/38.2-3522","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3521.2\/","history_text":"

This law was first created in 2014. The record of its establishment is cataloged in chapter 350<\/a> of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year.<\/p>","references":false,"refers_to":[{"id":86404,"section_number":"38.2-3431","catch_line":"Application of article; definitions","order_by":null,"url":"\/38.2-3431\/"}],"permalink":{"id":215749,"object_type":"law","relational_id":62206,"identifier":"38.2-3521.2","token":"38.2\/35\/3\/38.2-3521.2","url":"\/38.2-3521.2\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-3521.2\/","token":"38.2\/35\/3\/38.2-3521.2","dublin_core":{"Title":"Blanket accident and sickness insurance","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3521.2","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> As used in this section, “blanket insurance<\/span>” means that form of limited accident and sickness insurance defined as an “excepted benefit<\/span>” under § 38.2-3431<\/a>, providing coverage for specified circumstances and specific classes of persons<\/span> defined in a policy issued to a master policyholder and not by specifically naming the persons<\/span> 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<\/span>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> An individual application need not be required from a person<\/span> covered under a blanket insurance<\/span> policy. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

C.<\/span> No insurer<\/span> issuing a blanket insurance<\/span> policy shall be required to furnish a certificate to each person<\/span> covered by the policy. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

D.<\/span> A blanket insurance<\/span> policy may be issued or issued for delivery in the Commonwealth if it conforms to one of the following descriptions: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> A policy or contract<\/span> 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<\/span> covers a group defined as all persons<\/span> who may become passengers, renters, lessors, lessees, or operators defined by their travel status on such common carrier or means of transportation. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> 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. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> A policy issued to a school, an institution of higher education, a school district, school districts, or a 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. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

4.<\/span> 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. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

5.<\/span> A policy or contract<\/span> issued to a sports team, camp, or sponsor thereof, which shall be deemed the policyholder, covering participants, members, campers, employees, officials, supervisors, or volunteers. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

6.<\/span> A policy or contract<\/span> 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. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

7.<\/span> A policy or contract<\/span> 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. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

8.<\/span> A policy or contract<\/span> issued to an entertainment production company<\/span>, who shall be deemed the policyholder, covering any group of participants, volunteers, audience members, contestants, or workers. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

9.<\/span> A policy or contract<\/span> 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. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

10.<\/span> A policy or contract<\/span> issued to a bank, association, financial or other institution, vendor, or to a parent holding company<\/span>, 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. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

11.<\/span> A policy or contract<\/span> issued to an incorporated or unincorporated association of persons<\/span> 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. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

12.<\/span> A policy or contract<\/span> issued to a travel agency, or other organization that provides travel related services, which organization shall be deemed the policyholder, to cover all persons<\/span> for which travel related services are provided. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

13.<\/span> A policy issued to any other risk or class of risks which, in the discretion of the Commission<\/span>, may be subject to the issuance of a blanket accident and sickness policy. The discretion of the Commission<\/span> may be exercised on an individual risk basis or class of risks, or both. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

E.<\/span> Notwithstanding any other provision of this title, any benefits that are payable under a blanket insurance<\/span> policy shall be paid directly to the person<\/span> covered under such policy. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nBLANKET ACCIDENT AND SICKNESS INSURANCE (\u00a7 38.2-3521.2)\n\nA. As used in this section, “blanket insurance” means that form of\nlimited accident and sickness insurance defined as an “excepted\nbenefit” under § 38.2-3431, providing coverage for specified\ncircumstances and specific classes of persons defined in a policy issued to a\nmaster policyholder and not by specifically naming the persons covered, by\ncertificate or otherwise, although a statement of the coverage provided may be\ngiven, or required by the policy to be given, to eligible persons.\n\nB. An individual application need not be required from a person covered under a\nblanket insurance policy.\n\nC. No insurer issuing a blanket insurance policy shall be required to furnish a\ncertificate to each person covered by the policy.\n\nD. A blanket insurance policy may be issued or issued for delivery in the\nCommonwealth if it conforms to one of the following descriptions:\n\n 1. A policy or contract issued to any common carrier or to any operator,\n owner, lessor or lessee of a means of transportation, which shall be deemed\n the policyholder, which policy or contract covers a group defined as all\n persons who may become passengers, renters, lessors, lessees, or operators\n defined by their travel status on such common carrier or means of\n transportation.\n\n 2. A policy issued to an employer, who shall be deemed the policyholder,\n covering any group of workers, dependents or guests defined by reference to\n hazards incident to any activity or activities or operations of the\n policyholder.\n\n 3. A policy issued to a school, an institution of higher education, a school\n district, school districts, or a school jurisdictional unit, or to the head,\n principal, or governing board thereof, who or which shall be deemed the\n policyholder, covering students, parents, teachers, employees, or volunteers.\n\n 4. A policy issued in the name of any volunteer or governmental fire\n department, first aid, civil defense, or other such volunteer group, which\n shall be deemed the policyholder, covering any group of the members,\n participants, or volunteers incident to any activity or activities or\n operations sponsored or supervised by such department or group.\n\n 5. A policy or contract issued to a sports team, camp, or sponsor thereof,\n which shall be deemed the policyholder, covering participants, members,\n campers, employees, officials, supervisors, or volunteers.\n\n 6. A policy or contract issued to a religious, charitable, recreational,\n educational, or civic organization or branch thereof, which shall be deemed\n the policyholder, covering any group of members, participants, or volunteers\n defined by reference to specified hazards incident to any activity or\n activities or operations sponsored or supervised by or on the premises of such\n policyholder.\n\n 7. A policy or contract issued to a restaurant, hotel, motel, resort,\n innkeeper, or other group with a high degree of potential customer liability,\n which shall be deemed the policyholder, covering patrons, guests, or\n volunteers.\n\n 8. A policy or contract issued to an entertainment production company, who\n shall be deemed the policyholder, covering any group of participants,\n volunteers, audience members, contestants, or workers.\n\n 9. A policy or contract issued to a health maintenance organization, a health\n care provider or other arranger of health services, which shall be deemed the\n policyholder, covering subscribers, patients, donors, and surrogates provided\n that the coverage is not made a condition of receiving care.\n\n 10. A policy or contract issued to a bank, association, financial or other\n institution, vendor, or to a parent holding company, or to the trustee,\n trustees, or agent designated by one or more banks, associations, financial or\n other institutions, or vendors under which accountholders, credit card\n holders, debtors, guarantors, or purchasers are insured.\n\n 11. A policy or contract issued to an incorporated or unincorporated\n association of persons having a common interest or calling, which association\n shall be deemed the policyholder, formed for purposes other than obtaining\n insurance, covering members or participants of such association.\n\n 12. A policy or contract issued to a travel agency, or other organization that\n provides travel related services, which organization shall be deemed the\n policyholder, to cover all persons for which travel related services are\n provided.\n\n 13. A policy issued to any other risk or class of risks which, in the\n discretion of the Commission, may be subject to the issuance of a blanket\n accident and sickness policy. The discretion of the Commission may be\n exercised on an individual risk basis or class of risks, or both.\n\nE. Notwithstanding any other provision of this title, any benefits that are\npayable under a blanket insurance policy shall be paid directly to the person\ncovered under such policy.\n\nHISTORY: 2014, c. 350.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}