1. All of the plaintiffs' claims are dismissed.

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

1. Facts of recognition;

A. On June 30, 2014, Plaintiff A concluded an insurance contract (hereinafter “instant insurance contract”) with the Defendant and the insured as the deceased B (hereinafter “the deceased”).

The name of insurance product: F insurance period: From June 30, 2014 to end-of-life insurance policyholder: the deceased B beneficiary: the deceased beneficiary at the time of injury - Plaintiff A’s main insurance: at the time of death, the agreement for guaranteeing advanced disability payment of KRW 200,000: When a person dies: when a person becomes a disability with at least 80% of the disability payment rate for the same cause other than the same disaster or disaster in the disability classification table plus the disability payment rate of at least 80% for the same cause: A special agreement for new hospitalization of KRW 10,000: A special agreement for admission of a disease with a certain number of days per day when he/she is hospitalized for the purpose of direct treatment due to a disease or accident prescribed in the disease classification table and disaster classification table: 10,000 won per day when he/she is hospitalized for at least one day: 5 chronic diseases (the number indicated in the comprehensive name within the name of J. 18).

) When a person has been hospitalized for more than four consecutive days for the purpose of direct treatment, payment of KRW 40,000 per day except for the first three days (within the limit of 120 days per one time of hospitalization). Where the insured has been hospitalized two or more times due to the same disease, it shall be deemed as one time and the limit shall be applied by adding the number of days of each hospitalization to the total sum of the number of days of each hospitalization. However, hospitalization commenced after the lapse of 180 days from the date of the final discharge of hospitalization for which the direct hospitalization for a specific disease was paid as the same disease

Provided, That in cases of continuous hospitalization without discharge even after the lapse of 180 days from the date of the final hospitalization for a specific disease direct hospitalization, the following day of the final date of hospitalization for a specific disease which was paid shall be deemed the date of discharge.

New CI : A serious disease and the date of commencement of operation guarantee will be the first third CI.