What is the function of a common accident deductible in health insurance policies?

The function of a common accident deductible in health insurance policies is to apply only one individual deductible for multiple family members involved in a common accident. This means that if several family members are injured in the same incident, they do not need to meet separate deductibles for each individual; instead, they collectively satisfy a single deductible amount. This provision allows for a more equitable approach to coverage among family members, easing the financial burden in situations where a family experiences multiple injuries from one event.

In scenarios where family members incur medical expenses due to a shared incident, the common accident deductible simplifies the claims process and helps ensure that families can access the benefits of their insurance more readily without facing excessive out-of-pocket costs. This arrangement is particularly beneficial in accidents where medical costs could otherwise aggregate to a substantial amount that each member would have to individually manage.