Which provision describes that two or more persons covered under a Family Major Medical policy who are injured in a common accident or suffer a common illness have one deductible applied to all expenses?

• A. Common Accident/Common Sickness
• B. Stop Loss Feature
• C. Dread Disease
• D. Corridor Deductible

Answer: (A)

Common Accident/Common Sickness provisions address how a deductible is handled when more than one family member is affected by the same event. In a Family Major Medical policy, if two or more insured people are injured in the same accident or suffer the same illness, only one deductible is charged for all related expenses. This prevents multiple deductibles from being applied to a single incident and helps families avoid a bigger out-of-pocket burden.

That’s why this option is the best fit: it directly describes the single deductible applying to all expenses arising from a common event or illness among covered family members.

The other options describe different features: a stop loss feature caps total out-of-pocket exposure, dread disease refers to coverage for specified illnesses, and a corridor deductible pertains to a deductible within transitional or transitional-type arrangements. None of these describe the shared-deductible concept for multiple people involved in the same incident.