I am curious , mainly because it is usually done ie on plans ; what really decides the aic rating on a panel ? My situation is a medical office where there are three panels all being relocated, all being fed from main 1600 amp 120-208 , and remaining in there own individual suite. The plans call for panels with 10k aic rating they all have an separate fused disconnect from the gear. This I think is ok or is it? 2 100 amp and one 200 amp panels. My guess is the voltage would decide ?