Annual deductible: does it apply per person or to the family together?

The amount does not define the unit

ASF defines a deductible as the portion borne by the policyholder or insured. In a health quotation, also identify whether the unit is a person, benefit or another expressly defined group. The word annual describes a period but does not answer that separate question.

Sources: ASF — Glossário do consumidor — checked 22 October 2026 ↗

Test the wording using two people

Fictional example: Luís’s family compares two quotations mentioning €100. To understand the mechanism, they describe two hypothetical eligible expenses, one for each adult, without clinical details. They ask what amount would count towards each person’s deductible and what balance would remain. The exercise is not a promise to reimburse any actual treatment.

Record the calculation consistently

Note the unit, relevant benefit, reset date and interaction with any co-payments. This avoids treating two identical-looking figures as arrangements that necessarily work the same way. Read RMACHADO GROUP’s health guide to prepare usage examples that help explain expected personal costs for each family member under the quotations being considered.