Raynor v. American Heritage Life Insurance

Whitman, Judge.

Appellant Raynor sued the American Heritage Life Insurance Company for claimed benefits under a group insurance policy which the insurance company issued to the employees of J. H. Filbert, Inc. The policy provided coverage for hospital expense when "confined as hereinafter provided in a legally constituted hospital, as a result of (1) an accidental bodily injury ... or (2) disease. . .”

The policy further provides: "The term 'legally constituted hospital’ as used herein shall mean a legally licensed hospital providing for overnight care of patient with a registered graduate…