Blanket Health Insurance (F.S. 627.659–.660)

Health insurance covering special groups whose membership changes, issued to entities such as: common carriers (covering passengers); employers (employees, dependents, or guests); schools, colleges, and universities (students, teachers, employees — plus their spouses/dependent children); volunteer fire departments, first aid, and first responder groups; organizations like the Boy Scouts or Future Farmers of America and camps/meetings (including counselors and staff); newspapers (independent contractor delivery persons); health care providers (patients, donors, recipients, surrogates — offered, never mandatory); HMOs (covering subscribers, with payment direct to the HMO); sports teams and camps; travel agencies; qualifying associations (25 members, 1 year); and financial institutions (accountholders/cardholders — limited to accident, disability income, limited dental/vision, specified disease, or hospital/fixed indemnity). Required provisions: terms at least as favorable as permitted, no individual application required, and no certificate of coverage required — EXCEPT for policies issued to schools, colleges, universities, and other learning institutions.

One policy blankets whoever happens to be on the bus, at the camp, or in the class — no applications, no certificates (unless it's a school).