A. The Plaintiff entered into the instant comprehensive insurance contract with the mother of B and the Defendant with the following content (hereinafter “instant insurance contract”).

- The policyholder and beneficiary: the insured - From November 16, 2005 to November 16, 2020: the coverage period: (1) Basic contract (in the case of injury and disease expenses): 50% of the subscription amount per 31 days of hospitalization in the case of continuous hospitalization for 31 days or more due to an injury, 50% of the subscription amount per 61 days of hospitalization, 91 days of hospitalization, 121 days of death, 10,000 won of injury: 10,000 won of injury or injury to : 10,000 won of injury to 80,000 won of injury (the amount of injury and disease expenses): 10,000 won of injury and injury to 80,000 won of injury and injury to 10,000 won of injury and injury to 10,000 won of injury and injury to 10,000 won of injury or injury to 10,000 won of injury or more (30, 10,00) of injury or more.

B. The main contents of the instant general terms of insurance are as follows.

In the following terms and conditions, Article 15 (1) 4 of the terms and conditions "the exemption clause of this case" shall be construed as "the exemption clause."