Which of the following is a type of deductible that applies to all family members and overrides individual deductibles once satisfied?

The type of deductible that applies to all family members and overrides individual deductibles once satisfied is known as a family deductible. This mechanism is designed to simplify the coverage for family units by having a collective deductible amount that, when met by any combination of family members' medical expenses, activates the insurance coverage for the entire family.

In practice, individual deductibles might still be in effect for medical services, but once the family deductible is met, it alleviates the necessity for each member to meet their own individual deductible. This is particularly beneficial for families with multiple members requiring medical care, as it can reduce out-of-pocket costs and streamline the claims process.

The other options, while related to various insurance deductible concepts, do not apply in the same way or have differing conditions. For instance, a calendar year deductible resets annually and applies individually, while a per cause deductible pertains to specific incidents rather than aggregating expenses across family members. Co-payments are fixed amounts required for specific services or prescriptions, rather than deductibles that involve accumulating costs before insurance coverage kicks in.