1. It is confirmed that each insurance contract entered in the separate sheet No. 1 List concluded between the Plaintiff and the Defendants is invalid.

2. Defendant.

1. Basic facts

A. Defendant A entered into an insurance contract listed in Annex 1 List Paragraph (1) on April 17, 2008, and an insurance contract listed in Annex 1 List Paragraph (2) on January 30, 2009, and changed the contractor of each of the above insurance contracts to Defendant B on November 12, 2009, and the insured and the beneficiary still maintained as Defendant A. After entering into an insurance contract listed in Annex 1 List 1 Paragraph (3) on December 14, 2009, the insured and the beneficiary still maintained as Defendant A while changing the contractor of the above insurance contract to Defendant B on June 1, 2010, and the insurance contract listed in Annex 1 List 1 Paragraph (3) was automatically renewed as an insurance contract listed in Annex 1 List 4 after the expiration of the period.

B. The details that Defendant A received insurance money from the Plaintiff based on each insurance contract listed in the separate sheet No. 1 are as shown in the separate sheet No. 2.

C. Defendant A filed a claim for insurance proceeds with the Plaintiff on March 30, 2012 on the ground that he/she was hospitalized from April 14, 2012 to May 19, 2012.

[Ground of recognition] Facts without dispute, Gap evidence Nos. 1, 2, 4, 5, 7, 8, and the purport of the whole pleadings

2. Determination as to the cause of action

A. The Plaintiff’s assertion 1) Each insurance contract described in attached Tables 1, 2, and 1, 1, 2, and 3, 2005, between February 2, 2005 and April 23, 2012, the Defendants are the policyholders, the insured, and the beneficiaries A (hereinafter “each insurance contract of this case”).

In light of the fact that various insurance companies, including B, entered into a total of 28 insurance contracts with various insurance companies, Defendant A received insurance proceeds from March 25, 2007 to May 24, 2012 in total of 104,54,248 won through a total of 63 times between March 25, 2007 and May 24, 201, and the name of the disease in the medical certificate and the certificate of entry and discharge submitted by Defendant A is not necessary for hospital treatment. The Defendants subscribed to multiple insurance contracts for the purpose of denying insurance proceeds, and each insurance contract listed in the attached Table 1 list is good morals.