This deductible provision applies when more than one family member is involved in a common accident or illness; only one deductible amount shall be applied.

This deductible provision applies when more than one family member is involved in a common accident or illness; only one deductible amount shall be applied.

• A. Family deductible
• B. Common accident deductible
• C. Aggregate deductible
• D. Per-person deductible

Answer: (B)

When a single incident involves more than one family member, plans sometimes use a common deductible so only one deductible amount is charged for the whole event. This means once that deductible is satisfied for the incident, related costs for all involved family members are covered without separate deductibles applying to each person. That’s why this option is the best fit. The other deductible types wouldn’t match the scenario: per-person deductible would charge a deductible for each individual; an aggregate deductible is a single amount that must be met for the policy period (not limited to one incident involving multiple people); a family deductible typically involves a shared amount across the family but doesn’t specify applying to a single common event for all members.

When a single incident involves more than one family member, plans sometimes use a common deductible so only one deductible amount is charged for the whole event. This means once that deductible is satisfied for the incident, related costs for all involved family members are covered without separate deductibles applying to each person. That’s why this option is the best fit.

The other deductible types wouldn’t match the scenario: per-person deductible would charge a deductible for each individual; an aggregate deductible is a single amount that must be met for the policy period (not limited to one incident involving multiple people); a family deductible typically involves a shared amount across the family but doesn’t specify applying to a single common event for all members.