In a family accident when multiple family members are affected, how many deductibles apply?

• A. Only one deductible
• B. One per person
• C. All deductible amounts
• D. No deductible applies

Answer: (A)

When a single accident affects multiple family members, only one deductible is charged for the incident. The deductible represents the portion you pay before benefits kick in, and in most family plans it’s applied to the event as a whole rather than per person. Once that one deductible is met, the remaining eligible expenses for all covered family members are paid according to the policy’s coinsurance and limits for that incident. This approach avoids multiplying out-of-pocket costs for the same accident and keeps administration simple. Options suggesting one deductible per person would unfairly increase costs for a single event, while applying all deductibles or having no deductible at all don’t reflect how standard family deductibles are designed to work.