Walter burton was a self employed window washer earning approximately 700 per week. One day, he fell from the scaffolding and had multiple injuries. He was in the hospital for 60 days of treatment. During his hospital stay he incurred the following expenses: surgeon, 2,500; physician 1,000; hospital bill for room and board, 250 per day; nursing services, 1,200; anesthetics, 600; wheelchair rental, 100; ambulance 150, and drugs 350. Walter has major medical policy that had 3000 deductible clause, an 80 percent co-insurance clause, internal limits of 180 per day on hospital room and board and 1500 as a maximum surgical fee. The policy provides no disability income benefits