CRAMER, Justice.
This appeal is from a judgment for $6,504. Cartwright was insured under policy issued by appellant against loss of time resulting from accidental injury and sickness and for indemnity for hospital residence. The policy was issued Oct. 11, 1950 and thereafter Cartwright had a claim for arthritis which was paid. However under the terms of the policy, the Company thereafter declined to accept and returned a premium check. (See Note
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