The Mexican Insurance Companies have a deductible per medical condition. Every time an insured submits a claim for a new medical condition or illness, he or she has to cover the deductible. After the deductible is met, the insurance company will continue paying bills related to that illness or medical condition as long as the policy remains in effect and the policy coverage limit has not been exhausted. With these policies, it is better to choose the lowest deductible. With Foreign insurance companies, just one deductible is applied per person per year. You can accumulate medical bills during the year. Once the policy deductible has been reached, the insurance company will pay the rest.