Combined Insurance Co. of America v. McGillen

NEBEKER, Associate Judge:

This appeal by Combined Insurance Company of America (Combined) challenges a ruling of law that the insured’s disability was the result of a “sickness” as that term was used in the applicable health and accident insurance policy. The trial court ruled that the policy must be construed broadly and favorably so as to establish coverage whenever it can be justified, and that the insurer must spell out in plainest terms any limiting policy provisions. It was thus concluded that the disability — a painful, ruptured lumbar disc caused by an accident three years prior to…