CHAPMAN, Justice.
This suit was filed by appellee, Mrs. Ada Fish, seeking recovery for benefits under a "Hospital and Surgical Expense" insurance policy based on expenses incident to confinement in St. Joseph's Hospital in Hot Springs, Arkansas, from July 28, 1964, to August 23, 1964. In a trial to the court judgment was rendered for appellee for $461.15 found by the court to be due under the terms of the policy, and for penalty of twelve per cent and attorneys' fees...
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