The plaintiff's appeal is dismissed.

Expenses for appeal shall be borne by the plaintiff.

The purport of the claim and the purport of the appeal are the judgment of the first instance.

Basic Facts

A. Article 2 (Definition of Terms and Conditions) (2) of the conclusion of an insurance contract: the case which causes the filing of a civil lawsuit under the terms and conditions related to the reasons for payment: the case can be objectively proven and the case is as follows.

- In the case of default of debt or unjust profit: there was no loss prior to the insurance period, and the first default of debt or unjust profit occurred during the insurance period - In the case of compensation for damage: the incident that occurred during the insurance period.

2. A case which constitutes the cause for filing an administrative litigation: The case which objectively proves the factual relations does not arise before the insurance period, and will not mean an administrative disposition taken by the State agency and the administrative agency for the first time during the insurance period.

3. Important matters: It refers to matters that may affect the acceptance of a contract, such as refusing to make an offer of a contract, restricting the amount of an insurance policy, excluding partial guarantees, reducing insurance proceeds, and increasing insurance premiums, if the company knew of the fact with respect to the duty to inform the whole contract;

Article 3 (Reasons for Payment of Insurance Money)