What role do deductibles play in Accident Benefits (SABS) claims?

Deductibles in the context of Accident Benefits under the Statutory Accident Benefits Schedule (SABS) serve a specific function in the claims process. While some insurance policies do incorporate deductibles, they are not universally applied to all Accident Benefits claims. This means that certain benefits under SABS, such as those for medical rehabilitation or attendant care, may not require a deductible to be paid, depending on the specifics of the claim or the policies in place.

In contrast, the other options present misconceptions about the nature of deductibles in this context. Deductibles are not typically required to be paid upfront in Accident Benefits claims, nor can they be waived by the insured based solely on preference, as these are predetermined by policy guidelines. Furthermore, deductibles do not function to increase the overall payout; rather, they represent an amount that is subtracted from the total benefits received by the insured, thereby affecting the final payout adversely, not positively. Hence, the correct choice reflects the variability in the application of deductibles in Accident Benefits claims.