"Basic medical-surgical expense coverage" means a policy of accident and sickness insurance which, for each person insured under the policy, provides coverage for the expenses incurred in providing the necessary services, rendered by a legally qualified physician, for treatment of an injury or sickness. Basic medical-surgical expense coverage shall provide at least the following:

1. (a) Surgical services consisting of benefits providing not less than:

   1. (1) an amount for any procedure at least equal to $1,000, based on the relative values contained in the "relative value study" of the Kansas medical society, adopted May 5, 1966, as amended May 19, 1968; or
   2. (2) 80 percent of the reasonable charges;

2. (b) Anesthesia services, consisting of administration of necessary general anesthesia and related procedures, in connection with covered surgical service, which is rendered by a physician other than the physician or the physician's assistant performing the surgical services:

   1. (1) In an amount not less than 80 percent of the reasonable charges; or
   2. (2) 15 percent of the surgical service benefit;

3. (c) In-hospital medical services, consisting of physician services rendered to a person who is a bed patient in a hospital for treatment of sickness or injury other than that for which surgical care is required, in an amount not less than:

   1. (1) 80 percent of the reasonable charges; or
   2. (2) $10 per day for not less than 21 days during any one period of confinement.

(Authorized by K.S.A. 40-103, 40-2218; implementing K.S.A. 40-2218; effective Feb. 15, 1977; amended May 1, 1984; amended May 1, 1986.)