Ambiguity of the term "experimental" is to be construed
against the Insurer.
"In light of the medical testimony that HDC-ABMT is an effective
form of therapy for breast cancer and that breast cancer patients who
earnestly seek the treatment experience better prognoses than those
who choose conventional treatments, we find that the trial court did
not err in finding that HDC-ABMT is not experimental or research in
nature and thus was not excluded by the policy. Accordingly, defendant
was required to cover the costs of the treatment."