GEORGE ROSE SMITH, Justice.
This is an action brought by the appellee to recover $125 under a sickness and accident policy. The insurance company contends that the insured's condition existed before the policy was issued and was therefore excluded from coverage by this clause in the contract: "`Sickness' as used in this policy means sickness or disease which first commences or first becomes evident, after the effective date hereof and which causes loss commencing...
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