In this chapter, the following terms have the meanings indicated. Terms Defined. “Claimant” means an insured individual resident in Maryland making a claim against the insurer for benefits, who is a: Policyholder covered by an individual policy; or Certificate holder covered under a group policy or under an administration contract. “Service” means any service for which a charge is made which is covered under the policy or contract, including charges for, but not limited to: Fees of surgeons, anesthetists, and other physicians; Room and board charges; Operating room charges; Recovery room charges; and Nursing care charges.