Which term describes a deductible that must be paid again for each illness or injury?

• A. Specific-Cause
• B. Per-Cause
• C. All-Cause
• D. Comprehensive-Cause

Answer: (B)

The concept tested is how a deductible can be charged again with each new health event. When a plan requires you to pay the deductible each time you have a new illness or injury, the deductible is tied to the event itself, not to the policy as a whole. This idea is captured by the term per-cause: the deductible must be met again for each separate cause of loss, in this case each separate illness or injury.

Other terms don’t fit as well because they don’t convey the idea of resetting for every new event. Specific-cause would imply a deductible tied to a single, particular cause and not reset for subsequent illnesses. All-cause would suggest a single deductible that covers all events together, rather than resetting per event. Comprehensive-cause isn’t a standard phrasing for this concept. Therefore, per-cause best describes paying the deductible anew for each illness or injury.