MARTIN, Justice.
Appellants, National Educators Life Insurance Co. and American Security Life Insurance Company, were sued by the appellee, W. E. Morgan, who sought recovery of hospitalization expense incurred due to illness of his daughter and as insured by a policy issued by each of the appellants. The suits against the two companies were consolidated as they involve like fact issues and principles of law.
Each of the policies sued upon contains the following...
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