Top-up Additional coverage to supplement New Zealand Government, ACC , or other insurers contributions to overseas treatment. Total Premium Means the sum of the Premium and the policy fee together with any applicable GST as specified in the Policy Schedule . Usual, Customary and Reasonable Charges and fees that are based on Our estimate of the Usual, Customary and Reasonable charges and fees for services provided under similar circumstances by persons or providers with equivalent experience or qualifications.
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