# OR DFR Bulletin 1994-01: OR DFR Bulletin 1994-01: Blanket Insurance

> Oregon · Agency guidance · In force

URL: https://www.frixlaw.com/law-library/statutes/OR_INS_B_1994_01

## Section

- **Citation:** OR DFR Bulletin 1994-01
- **Heading:** OR DFR Bulletin 1994-01: Blanket Insurance
- **Jurisdiction:** Oregon
- **Kind:** Agency guidance
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Oregon Division of Financial Regulation Insurance Bulletins / OR DFR Bulletin 1994-01: Blanket Insurance

## Text

INSURANCE DIVISION BULLETIN INS 94-1
DATE: January 31, 1994
TO: All Insurers Offering Blanket Insurance
RE: Blanket Insurance
The Insurance Division receives questions periodically about whether specific features of an insurance
program meet the definition of blanket insurance found in ORS 743.534. This memorandum clarifies the
Division's understanding of how that blanket insurance statute applies to some of these issues that arise
in today's marketplace.
Blanket insurance policies, as generally understood in the industry, have traditionally provided coverage
for specified risks to all individuals in a defined category. This general definition is consistent with the
specific categories of eligible persons and risks listed in ORS 743.534. Insurance programs that leave
some individuals in the defined category without coverage do not qualify as blanket insurance. For
example, the following situations would not be acceptable in a blanket insurance program:
• Any individual underwriting of persons in the eligible category.
• Any program where eligible persons may choose not to take the coverage, other than cases of
student medical plans where evidence of coverage under another medical insurance policy is a
requirement of opting out of the blanket policy.
• Any program that splits an eligible category as defined in ORS 743.534 into two or more groups
rather than covering all eligible persons under a single policy with a single set of benefits.
• Any program that offers optional supplemental amounts of insurance on top of a basic benefit
package where only the basic package automatically covers all eligible persons.
• Any policy issued to cover students, teachers, or employees of an educational institution under
743.534(3) where the policyowner is not an institution of learning or the head, principal, or
governing board responsible for directing the operation of the institution.
• Student accident policies that exclude injuries of students who have previously had a similar injury
covers all eligible persons.
• Any policy issued to cover students, teachers, or employees of an educational institution under
743.534(3) where the policyowner is not an institution of learning or the head, principal, or
governing board responsible for directing the operation of the institution.
• Student accident policies that exclude injuries of students who have previously had a similar injury.
An insurer may consider as part of its underwriting whether the school allows previously injured
athletes to return to play without a doctor's release stating that the prior injury is completely
recovered. However, once the insurer has issued a blanket accident policy, it must cover all student
accidents.
Blanket Insurance and Coordination of Benefits. ORS 743.549 and OAR 836-20-700- 765 treat
group and blanket insurance identically for the purpose of allowed coordination of benefits. Any blanket
policy that seeks to reduce benefit payments on the basis of other insurance of the individual must do so
in full accordance with these COB rules. Policies that do not use the COB rules for coordination must
Department of Consumer and Business Services
Insurance Division
350 Winter St. NE, Room 440
PO Box 14480
Salem, OR 97301-0405
(503) 947-7980
FAX (503) 378-4351
TTY (503) 947-7280
www.oregoninsurance.org

2
always pay on a primary basis. The rules further specify that student accident coverage may not be
considered a plan for COB purposes (OAR 836-20-720 (7)). Therefore, student accident plans may not
reduce their benefits because of the presence of other coverage.
_______(signed)_______
Mary Alice Bjork
Administrator, Insurance Division
Department of Consumer and Business Services

## Nearby sections

- [OR DFR Bulletin 1970-04 OR DFR Bulletin 1970-04: Reinsurance of Title Insurance](https://www.frixlaw.com/law-library/statutes/OR_INS_B_1970_04.md)
- [OR DFR Bulletin 1992-03 OR DFR Bulletin 1992-03: Marketing Practices for Paying Commissions](https://www.frixlaw.com/law-library/statutes/OR_INS_B_1992_03.md)
- [OR DFR Bulletin 1994-01 OR DFR Bulletin 1994-01: Blanket Insurance](https://www.frixlaw.com/law-library/statutes/OR_INS_B_1994_01.md)
- [OR DFR Bulletin 1994-02 OR DFR Bulletin 1994-02: Title Insurance May Not Use Schedule B to Add Coverage](https://www.frixlaw.com/law-library/statutes/OR_INS_B_1994_02.md)
- [OR DFR Bulletin 1994-04 OR DFR Bulletin 1994-04: Creditor's Rights Coverage](https://www.frixlaw.com/law-library/statutes/OR_INS_B_1994_04.md)
- [OR DFR Bulletin 1996-02 OR DFR Bulletin 1996-02: Application of the Insurance Code to Health Benefit Arrangements that Include Provider Risk Sharing](https://www.frixlaw.com/law-library/statutes/OR_INS_B_1996_02.md)
- [OR DFR Bulletin 1996-04 OR DFR Bulletin 1996-04: Contents Corporate Minutes](https://www.frixlaw.com/law-library/statutes/OR_INS_B_1996_04.md)
- [OR DFR Bulletin 1998-03 OR DFR Bulletin 1998-03: Filing Requirements for Health Insurance Policy Forms, PER ORS 742.003; Applicability of Negotiated Policy Exception](https://www.frixlaw.com/law-library/statutes/OR_INS_B_1998_03.md)
- [OR DFR Bulletin 2001-01 OR DFR Bulletin 2001-01: OAR 836-080-0240 – Standards for Prompt & Fair Settlement – Automobile Insurance](https://www.frixlaw.com/law-library/statutes/OR_INS_B_2001_01.md)
- [OR DFR Bulletin 2001-09 OR DFR Bulletin 2001-09: Withdrawal of Bulletin INS 95-5 and INS 96-1](https://www.frixlaw.com/law-library/statutes/OR_INS_B_2001_09.md)
- [OR DFR Bulletin 2002-01 OR DFR Bulletin 2002-01: No Policy Changes Required by 2001 Amendment to ORS 743.186(1)(A)](https://www.frixlaw.com/law-library/statutes/OR_INS_B_2002_01.md)
- [OR DFR Bulletin 2002-03 OR DFR Bulletin 2002-03: USA Patriot Act of 2001](https://www.frixlaw.com/law-library/statutes/OR_INS_B_2002_03.md)
- [OR DFR Bulletin 2003-02 OR DFR Bulletin 2003-02: Reducing Regulatory Burden](https://www.frixlaw.com/law-library/statutes/OR_INS_B_2003_02.md)
- [OR DFR Bulletin 2003-05 OR DFR Bulletin 2003-05: Application of NAIC Manuals and Other Publications](https://www.frixlaw.com/law-library/statutes/OR_INS_B_2003_05.md)

---

Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/OR_INS_B_1994_01. Check the current official text before relying on it. Not legal advice.