The most common form of deductible available on group health insurance policies is a Per-Condition deductible.
This type of deductible is widely used by both international and domestic health insurance companies worldwide, and will mean that a group member is responsible for contributing towards the cost of care of each individual medical condition for which they seek treatment.
For example; a group has a health insurance policy which includes a $100 per condition deductible for all members. This means that each individual in the group would be required to pay for $100 of their medical treatment each time they receive treatment for a new condition.
With this deductible, if an individual insured through the group receives treatment for a sore throat, and the cost of the doctor consultation is $200, then they would need to pay $100 with the insurance covering the remaining $100. If the member returns to the doctor for additional treatment in relation to the sore throat, all further costs of care will be covered by the insurer due to the fact that the member has already paid the deductible associated with the condition.
If the member returns to the doctor for treatment of a migraine unrelated to the sore throat, the member would be required to pay the deductible associated with the treatment of the new condition.