The group insurance contract sued upon was prepared and drafted by defendant and must be strictly construed against it.
In that part of the contract which relates to the 1 ‘ covered charges ” for which the defendant is liable, defendant employs the word “equipment” without precise definition. Implicit in the use of this word, “ equipment,” is that the equipment item be needful and necessary to alleviate plaintiff’s illness as diagnosed by his doctor ■(Polliak v. Smith, 19 N. J. Super. 365). The air-conditioning unit ordered by plaintiff’s doctor for the purpose of affording plaintiff relief of his ailment is embraced in the term “ equipment ” and therefore plaintiff was justified in buying the air-conditioning unit. Judgment for plaintiff against defendant for $113.06 and appropriate interest.