The policy covers reasonable and customary expenses for bariatric surgery if the insured fulfills: i) Surgery to be conducted upon the advice of the Doctor ii) The member has to be 18 years of age or older iii)BMI greater than or equal to 40 iv)BMI greater than or equal to 35 in conjunction with any of the following severe comorbidities following the failure of less invasive methods of weight loss: a) Obesity-related cardiomyopathy, b) Severe sleep apnea, c) Uncontrolled Type 2 diabetes, or d) Coronary heart disease