A medical service, procedure or supply which is necessary and is:
consistent with the diagnosis and customary medical treatment for the insured’s Disease;
recommended by a medical practitioner for the care or treatment of the Insured’s Disease involved and must be widely accepted professionally in Hong Kong as effective, appropriate and essential based upon recognized standards of the health care specialty involved; and
not furnished primarily for the personal comfort or convenience of the Insured or any medical service provider. Experimental, screening and preventive services or supplies are not considered Medically Necessary.