Historically, the Oregon Insurance Division prohibited the combination of blanket accident and sickness policies issued with property and casualty riders. In reviewing ORS 742.041 (8), we now believe policies combining more than one class of insurance should be allowed under limited circumstances.

If your company has a certificate of authority for both health and property and casualty, you may file a blanket accident and sickness policy that includes the option to purchase property and casualty riders. An example would be a rider covering loss or theft of an automated teller machine card.

These filings continue to be subject to ORS 742.003, which requires prior approval. Additionally, the riders must comply with all property and casualty insurance laws and the benefit package issued to the policy holder must be the same for all of the certificate holders. We will not allow underwriting on any portion of the policy.

If you have questions regarding this message, please contact Rhonda I. Saunders-Ricks at 1-503-947-7270 or e-mail Rhonda.i.saunders-ricks@state.or.us

1. FILING REQUIREMENTS
   1. Attach under the Supporting Documentation tab all applicable product standards that apply to each filed coverage form.
   2. Attach to the Supporting Documentation tab the base Blanket Accident/Sickness policy form(s) that the filed endorsements/riders will be used with.
   3. Attach to the Supporting Documentation tab all applicable Oregon amendatory endorsements that will be used to bring the filed forms into compliance with Oregon laws.
2. COMBINATIONS WILL ONLY BE ALLOWED IF THE FOLLOWING ARE MET
   1. The endorsements/riders comply with all Oregon property and casualty laws.
   2. There is no underwriting for any of the coverages made a part of the blanket policy.
   3. Everyone covered under the group blanket policy must receive the same benefits.