2. The costs of lawsuit are assessed against the plaintiffs.

A. On October 20, 1997, the network C (D) of the instant insurance contract entered into an insurance contract with the Defendant (hereinafter “the instant insurance contract”).

보험상품 : 무배당 랄랄라 오너드라이버보험 피보험자 : 망인 보험수익자 : (사망시) 상속인 보험기간 : 1997. 10. 20.부터 2017. 10. 20.까지 보장내용 : 일반재해 사망보험금 - 피보험자가 교통재해 이외의 재해를 원인으로 사망시 5,000만 원

B. Of the insurance terms and conditions, the provisions of the instant insurance contract concerning “disaster” provide for the following with respect to the general accident death.

Article 11 [Grounds for Payment of Insurance Money] (1) If a cause falling under any of the following subparagraphs occurs to the insured during the insurance period, the company shall pay the insurance money agreed upon to the beneficiary (see attached Table 1, e.g., attached hereto):

4. When the insured dies from a disaster other than a traffic accident that occurred during the insurance period: The term "disaster" in the disaster classification table (attached Table 3) for the payment of the insurance proceeds for general accidents means a contingency (Provided, That where a person who has a disease or physical handicap factor suffers from a minor external factor, or the symptoms of a person are worse, such minor external factor shall not be deemed a contingency accident) and refers to any accident specified in the following classification:

C. On October 19, 2015, the Deceased of the instant accident was killed in transit by the 119 rescue team, who was dispatched after being reported by the 119 rescue team to the North Korean University Hospital by the 119 rescue team, and was on the floor of the Fnman’s first floor of the second floor of the Fnman E in the Jeon-jin-gu Seoul Special Metropolitan City (hereinafter “instant accident”).

The Deceased’s Medical Team Deceased had a kidne surgery twice, and from August 7, 2013 to October 19, 2015.