When several members of a family insured under the same major medical policy are involved in an accident, how many individual deductibles need to be satisfied?

When several members of a family are insured under the same major medical policy and they experience an accident, the rule that applies is that only one individual deductible needs to be satisfied for all injuries related to that accident. This is primarily due to the nature of major medical policies, which often include a family deductible provision. When a family is covered under a single policy, the insurance typically allows for the aggregation of the deductibles.

This means that if multiple family members incur medical expenses due to a single incident, the costs can be combined toward satisfying the family deductible. Once the total amount reaches the family deductible limit, all family members' expenses related to that specific accident become eligible for coverage under the policy. This approach simplifies the process for families by reducing the number of deductibles that need to be met, making it more manageable during stressful situations like accidents.

In contrast, if individual deductibles were required for each family member, it could complicate claims and coverage, especially when costs from a single event are incurred by multiple individuals.