§ 4237. Blanket accident and health insurance. (a) (1) Any policy or\ncontract of insurance against death or injury resulting from accident\nwhich insures a group of persons conforming to the requirements of one\nof the subparagraphs (A) through (F) of paragraph three hereof shall be\ndeemed a blanket accident policy.\n (2) Any policy or contract which insures a group of persons conforming\nto the requirements of subparagraph (C), (E) or (F) of paragraph three\nhereof against total or partial disability, excluding such disability\nfrom accident, shall be deemed a blanket health insurance policy.\n (3) Any policy or contract of insurance which combines the coverage of\nblanket accident insurance and of blanket health insurance on such a\ngroup of persons shall be deemed a blanket accident and health insurance\npolicy:\n (A) Under a policy or contract issued to any railroad, steamship,\nmotorbus or airplane carrier of passengers, which shall be deemed the\npolicyholder, a group defined as all persons who may become such\npassengers may be insured against death or bodily injury either while,\nor as a result of, being such passengers.\n (B) Under a policy or contract issued to an employer, who shall be\ndeemed the policyholder, covering any group of employees defined by\nreference to exceptional hazards incident to such employment, insuring\nsuch employee against death or bodily injury resulting while, or from,\nbeing exposed to such exceptional hazards.\n (C) Under a policy or contract issued to an institution of higher\neducation, as defined in the higher education act of 1965, 20 U.S.C. §\n1001, other school, or other institution of learning or to the head or\nprincipal thereof, who or which shall be deemed the policyholder,\nprovided, with respect to a policy or contract issued to an institution\nof higher education, the policy or contract shall be a policy or\ncontract:\n (i) of hospital, medical, or surgical expense insurance that meets the\nrequirements of section three thousand two hundred forty of this\nchapter;\n (ii) that provides limited scope dental or vision benefits meeting the\ndefinition of "excepted benefits" set forth in section 2791 of the\npublic health service act, 42 U.S.C. § 300gg-91(c); or\n (iii) as described in item (ii), (iii) or (iv) of subparagraph (B) of\nparagraph one of subsection (a) of section three thousand two hundred\nforty of this chapter.\n (D) Under a policy or contract issued in the name of\n (i) any county, city, town, village or fire district,\n (ii) any duly organized fire department, or fire company, of any such\nmunicipal corporation or fire district, whether or not any such\ncorporation has been incorporated under any general or special law,\n (iii) any fire corporation incorporated under or subject to the\nprovisions of section one thousand four hundred two of the\nnot-for-profit corporation law, or any general or special law, if such\ncorporation is by law under the general control of, or recognized as a\nfire corporation by, the governing board of a city, town, village or\nfire district, which municipal corporation, fire district, fire\ndepartment, fire company or fire corporation, as the case may be, shall\nbe deemed the policyholder, covering all, but not less than twenty-five,\nvolunteer members of such department, company or corporation. A district\ncorporation which has the general powers of and operates as a fire\ndistrict shall be considered a fire district for the purposes of this\nparagraph. A volunteer firefighter whose services are offered and\naccepted pursuant to the provisions of section two hundred nine-i of the\ngeneral municipal law shall be deemed a volunteer member of any such\nfire department, fire company or fire corporation except for the purpose\nof determining the minimum number of twenty-five volunteer members for\nwhich any such policy or contract must provide coverage. Any such policy\nor contract issued to a municipal corporation or a fire d
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