Which deductible applies to all expenses in a health insurance policy during a specified period?

• A. All-cause deductible
• B. Per-claim deductible
• C. Integrated deductible
• D. Lifetime deductible

Answer: (A)

The key idea here is how a deductible can apply across an entire policy period. An all-cause deductible means you must pay a single deductible amount before benefits kick in for all covered medical expenses within the defined period. It acts as a single aggregate threshold for everything incurred during that time, so once you’ve met it, the insurer starts sharing costs on subsequent expenses.

Per-claim deductible, by contrast, would require you to meet a deductible for each individual service or claim, not once for the whole period. Integrated deductible isn’t describing a single period-wide rule for all expenses, but rather a notion of combining deductibles across plans or benefit categories in some contexts. Lifetime deductible refers to a amount you must satisfy over your entire life, not within a set period, so it doesn’t fit a specified timeframe.

So the all-cause deductible is the best fit because it applies to all expenses in the policy during the defined period.