Sure! Here is the explanation for the correct answer:
The family only has to pay one deductible in the scenario described because of the **Integrated deductible** provision. This provision states that if multiple family members covered under the same major medical policy are injured in the same accident, the policy only requires the family to pay one deductible instead of a deductible for each family member involved in the accident.
In simple terms, this means that the insurance policy considers the accident as a single event, and therefore, only one deductible needs to be paid by the family regardless of the number of family members affected. This helps reduce the financial burden on the family during such challenging situations.
Therefore, in this case, the correct answer is D. Integrated deductible.
