The definition of “medical incident” beneath PorterCare’s coverage included “any act or omission… which ends up in damage to a affected person,” and crucially, said that “all associated acts or omissions… to anybody particular person” can be thought of a single incident. That wording, in line with AdHealth, made it clear that every affected person’s declare needed to be handled individually. Since PorterCare was self-insured for the primary $2 million of legal responsibility per declare, and no particular person affected person’s declare exceeded that threshold, AdHealth mentioned it owed nothing.
