A Medical Event:   A medical condition requiring treatment by a Medical Provider. A Medical Service:  A medically necessary doctor visit, medical treatment, lab or test, medical equipment or medical merchandise, prescribed, ordered or performed by a Medical Provider. A Medical Claim:  A Medical Claim is a request from you for reimbursement or the payment for a Medical Service.  A Medical Sub-Claim is the individual Medical Provider bills included with a Medical Claim.  A Non-Routine Medical Claim usually has more than one Medical Sub-Claim.  For convenience, a Medical Claim with Medical Sub-Claims is referred to as a Medical Claim.