1. The Plaintiff and the Defendant concluded on November 21, 201 on the basis of the Korea-Japan-based Integrated Insurance for Distribution without Distribution.

1. The following facts may be acknowledged, either in dispute between the parties or in full view of the entries of Gap evidence 1, Gap evidence 2, and Eul evidence 3, and the whole purport of the arguments as a result of a request for appraisal by this court to the Korean Medical Association:

A. On November 21, 201, the Plaintiff, an insurance company, entered into a contract with Defendant and the insured, setting the insurance period from November 21, 201 to November 21, 2064, with the term “non-dividend-based comprehensive insurance policy 1106” (hereinafter “instant insurance contract”).

B. The main terms and conditions of “64. Special Terms and Conditions for the Diagnosis of Brain Diseases (Renewal)” applicable to the instant insurance contract are as follows.

Article 1(Definition and Determination of "cerebrovascular Disease") The term "cerebrscular disease" in this Special Terms and Conditions refers to the disease specified in attached Table 14 (the Elimination Table of Brain Disease) in the 6th Korean Standard Disease Disease Classification.

The diagnosis and confirmation of cerebrovascular diseases must be conducted by a person with a medical license (other than dentists) of a hospital prescribed in Article 3(2) of the Medical Service Act or of a medical institution recognized as equivalent thereto, and this diagnosis shall be based on brain computer-oriented floor shooting, self-official image, MFI, cerebrovascular surgery, pET, SSEC (PET), e-mail-emitting single luminous e-mail, and cerebral e-mail test.

However, only if the insured (the insured) dies and cannot be based on the above method of inspection, the documented records or evidence that can prove that the insured (the insured) was diagnosed or treated due to cerebrovascular disease can be based on the diagnosis confirmation.

Article 2 (Types and Grounds for Payment of Insurance Money) If the insured (persons insured) is diagnosed as "cerebrovascular disease" during the insurance period, the following amounts shall be calculated only once for the first time: