Accidental Death coverage is provided to commercial airline passengers in which type of policy?

The correct answer is the blanket accident policy, which provides coverage for a group of individuals, such as passengers on a commercial airline flight, under a single contract. This type of policy is designed to cover a specific group against accidents without the need to list each individual insured, making it practical for situations where a large number of people share a common risk, such as flying together.

Commercial airlines typically purchase blanket accident policies to cover liability in case of unforeseen events affecting passengers, ensuring that there is coverage for all individuals on board in the event of an accident. This approach simplifies the underwriting process and ensures comprehensive protection for all passengers in a cost-effective way.

In contrast, individual accident policies are tailored for single individuals, while group accident policies cover specific groups, often within a defined organization or collective, but may not extend spontaneously to passengers on a flight. Critical illness policies primarily address specific health conditions rather than accidents. Therefore, the blanket accident policy is specifically suited for the context of covering commercial airline passengers.