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Medical charges -  "Medical charges" mean reasonable charges unavoidably incurred by the Insured/Insured Person for the medical treatment of disease, illness or injury the subject matter of the claim as an In-patient in a Hospital/ Nursing Home, and includes the costs of a bed; treatment and care by medical staff; medical procedures, Medical Practitioner's/ Consultant's/Specialist's fees, medicines and consumables including cost of pacemaker, cost of organs, artificial limbs etc. as long as these are recommended by the attending Medical Practitioner. 
Medical Practitioner -  Medical Practitioner means a person who holds a degree/diploma of a recognised institution and is registered by Medical Council of respective sate of India. The term Medical Practitioner would include Physician, Specialist and Surgeon.
Medical Practitioner -  "Medical Practitioner" means a person who holds a degree/diploma of a recognized institution and is registered with the Medical Council in respective states of India. The term Medical Practitioner includes a physician, specialist and surgeon, provided that this person is not a member of the Insured/Insured Person's family.