215 ILCS 5/367a
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 979a)Sec. 367a.         Blanket  accident and health insurance.(1) Blanket accident and health insurance is that form of accident and  health insurance covering special groups of persons as enumerated in one of  the following paragraphs (a) to (g), inclusive:(a) Under a policy or contract issued to any carrier for hire, which  shall be deemed the policyholder, covering a group defined as all persons  who may become passengers on such carrier.(b) Under a policy or contract issued to an employer, who shall be  deemed the policyholder, covering all employees or any group of employees  defined by reference to exceptional hazards incident to such employment.(c) Under a policy or contract issued to a college, school, or other  institution of learning or to the head or principal thereof, who or which  shall be deemed the policyholder, covering students or teachers.(d) Under a policy or contract issued in the name of any volunteer fire  department, first aid, or other such volunteer group, which shall be deemed  the policyholder, covering all of the members of such department or group.(e) Under a policy or contract issued to a creditor, who shall be deemed  the policyholder, to insure debtors of the creditors; Provided, however,  that in the case of a loan which is subject to the Small Loans Act, no  insurance premium or other cost shall be directly or indirectly charged or  assessed against, or collected or received from the borrower.(f) Under a policy or contract issued to a sports team or to a camp,  which team or camp sponsor shall be deemed the policyholder, covering  members or campers.(g) Under a policy or contract issued to any other substantially similar  group which, in the discretion of the Director, may be subject to the  issuance of a blanket accident and health policy or contract.(2) Any insurance company authorized to write accident and health  insurance in this state shall have the power to issue blanket accident and  health insurance. No such blanket policy may be issued or delivered in this  State unless a copy of the form thereof shall have been filed in accordance  with Section 355, and it contains in substance such of those provisions  contained in Sections 357.1 through 357.30 as may be applicable to blanket accident and  health insurance and the following provisions:(a) A provision that the policy and the application shall constitute the  entire contract between the parties, and that all statements made by the  policyholder shall, in absence of fraud, be deemed representations and not  warranties, and that no such statements shall be used in defense to a claim  under the policy, unless it is contained in a written application.(b) A provision that to the group or class thereof originally insured  shall be added from time to time all new persons or individuals eligible  for coverage.(3) An individual application shall not be required from a person  covered under a blanket accident or health policy or contract, nor shall it  be necessary for the insurer to furnish each person a certificate.(4) All benefits under any blanket accident and health policy shall be  payable to the person insured, or to his designated beneficiary or  beneficiaries, or to his or her estate, except that if the person insured be a  minor or person under legal disability, such  benefits may be made payable to his or her  parent, guardian, or other person actually supporting him or her. Provided  further, however, that the policy may provide that all or any portion of  any indemnities provided by any such policy on account of hospital,  nursing, medical or surgical services may, at the insurer's option, be paid  directly to the hospital or person rendering such services; but the policy  may not require that the service be rendered by a particular hospital or  person. Payment so made shall discharge the insurer's obligation with  respect to the amount of insurance so paid.(5) Nothing contained in this section shall be deemed to affect the  legal liability of policyholders for the death of or injury to, any such  member of such group.    (Source: P.A. 83-1362.)