1. The defendant's appeal is all dismissed.

2. The costs of appeal shall be borne by the Defendant.

Purport of claim and appeal

(b).

In fact, on March 31, 1999, Plaintiff A entered into a contract with the National Life Insurance Co., Ltd. (hereinafter “Defendant on June 30, 2000”) to purchase an insurance product under the name of “119 Korean house of non-dividend accident insurance” (hereinafter “instant insurance contract”). The insured, who is its husband, was the inheritor, the beneficiary, the heir, and the insurance period from March 31, 199 to March 31, 2019.

The main insurance of the instant insurance contract shall be paid KRW 20,00,000 as insurance money when the insured dies due to a traffic accident, and shall be paid KRW 8,800 as monthly insurance premium. In addition, the Plaintiff also subscribed to a special agreement that additionally pays KRW 20,000,000 as insurance money in the event the insured dies due to a traffic accident on holidays (hereinafter “special agreement for traffic accident on holidays”) and a special agreement that additionally pays KRW 2,200 as monthly insurance premium in the event the insured dies due to a traffic accident on board (hereinafter “the special agreement for death on board”).

The terms and conditions of the instant insurance contract are as follows. Of them, the provisions pertaining to the instant case are as stated in the relevant part.

(1) "Hospitalization" in this contract under Article 2 (Definition and Place of Hospitalization) of the Terms and Conditions of the State Insurance refers to the occurrence of a traffic accident, which is directly caused by the driver, dentist, or oriental medical doctor's license, as set forth in the Schedule of the Traffic Disaster Classification (hereinafter omitted).

(4)