Where two or more polices exist covering the same interest, there is double insurance. Each Insurer will contribute rateably towards the loss, in proportion to the amount for which he is liable under his policy.
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Medically-Necessary
Services, supplies or prescription drugs that are needed to diagnose or treat a medical condition. Your insurer will review the information provided and decide if it is accepted as standard practice, appropriate for the condition, age etc. and that it is not for convenience or cosmetic reasons. Sometimes additional information is required from you or the provider to make that determination.