Reasonable and customary medical expenses definition
Reasonable and customary medical expenses means expenses that an Insured Person has necessarily and actually incurred for medical treatment during the Policy Period on the advice of a Medical Practitioner due to Illness or Accident occurring during the Policy Period, as long as these are no more than would have been payable if the Insured Person had not been insured and no more than other hospitals or doctors in the same locality would have charged for the same medical treatment.
Reasonable and customary medical expenses shall be deemed to mean Medical Expenses which are considered reasonable and customary to the extent that it does not exceed the general level of charges being made by others of similar standing in the locality where the charge is incurred, when providing like or comparable treatment, services or supplies to individuals of the same sex of comparable age, for a similar disease or injury.