Okla. Stat. tit. 36, § 36-4504

A. Blanket accident and health insurance is hereby declared to

be that form of accident and health insurance covering special

groups of persons as enumerated in one of the following paragraphs

(1) to (7) inclusive:

Oklahoma Statutes - Title 36. Insurance Page 984

1. Under a policy or contract issued to any common carrier,

which shall be deemed the policyholder, covering a group defined as

all persons who may become passengers on such common carrier.

2. 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. Dependents of the employees and guests of the

employer may also be included where exposed to the same hazards.

3. 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.

4. Under a policy or contract issued in the name of any

volunteer fire department, first aid, or other such volunteer group,

or agency having jurisdiction thereof, which shall be deemed the

policyholder, covering all of the members of such fire department or

group.

5. Under a policy or contract issued to a creditor, who shall

be deemed the policyholder, to insure debtors of the creditor.

6. Under a policy or contract issued to a sports team or to a

camp or sponsor thereof, which shall be deemed the policyholder,

covering members or campers.

7. Under a policy or contract issued to any other substantially

similar group which, in the discretion of the Insurance

Commissioner, may be subject to the issuance of a blanket accident

and health policy or contract.

B. An individual application need not be required from a person

covered under a blanket accident and health policy or contract, nor

shall it be necessary for the insurer to furnish each person a

certificate.

C. 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 estate, except that if the

person insured be a minor, such benefits may be made payable to his

parent, guardian, or other person actually supporting him; except,

that the policy may provide that subject to any written direction of

the insured in the application or otherwise, 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

and unless the insured requests otherwise not later than the time of

filing proofs of such loss, 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. Payments

so made shall discharge the insurer's obligation with respect to the

amount of insurance so paid.

Oklahoma Statutes - Title 36. Insurance Page 985

D. 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.