What type of health plans provide coverage for a group of individuals participating in the same activity?

Blanket plans are designed to provide coverage for a group of individuals who are participating in the same activity or are part of a specific group. These plans are typically used in situations such as school trips, sports teams, or other organized activities where individuals might be exposed to similar risks. By grouping individuals together under a single insurance policy, blanket plans make it easier to offer coverage for activities that may not be covered under standard individual health insurance policies.

This type of plan simplifies the underwriting process since it covers all members of the group uniformly based on the activity rather than evaluating each person's individual health status. The intention is to provide sufficient coverage for unexpected incidents that may occur while participants engage in the activity, ensuring that the group as a whole has the necessary protection.

Other types of health plans, such as service provider plans or cafeteria plans, do not specifically focus on coverage tied to a group participating in the same activity, and thus do not address the specific needs of such situations as effectively as blanket plans.