In reply to Jyothi_G:
A cross is a cross-product of all coverpoint bins. If all your coverpoints in a cross have only a single "true" bin, then it is effectively the same as ANDing the coverpoints together.
The only difference is in computing partial coverage results. Solution 1 can have 0%, 33% or 100% coverage, whereas Solution 2 can only have 0% or 100% coverage. You previous solution with 3 coverpoints and a cross could have 0,25, 50, and 100% coverage. Without know the design, I can't tell you if having partial coverage results is useful.