All expenses that are medically necessary and have been incurred for medical treatment or a procedure during the policy period on the advice of a medical practitioner due to illness or an accident occurring during the policy period comes within the ambit of medical expenses. The caveat is that the medical expenses should not be more than what would have been payable if the insured person had not been insured and should not more than what other hospitals or doctors in the same locality would have charged for the same medical treatment.