Collins v. Life Ins. Co. of Georgia

Birdsong, Presiding Judge.

William A. Collins filed this action on a medical insurance policy, seeking coverage for a hip prosthesis.

The policy provides coverage for “casts, splints, crutches at the regular hospital charge.” It makes no mention of a prosthesis. However, when defendant’s agents sold Collins this insurance, they used a “Proposal/Worksheet” — a printed paper which listed apparent coverage for “1. Hospital Room and Board . . . [different amounts per plan purchased]. ... 2. Surgical Benefits (inpatient or outpatient). ... 3. Miscellaneous Hospital Expenses (inpatient or outpatient)…