1. The defendant's appeal is dismissed.

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

3. The decision of the court of first instance is in accordance with paragraph 1.

1. Basic facts

A. On February 9, 2007, the Plaintiff entered into an insurance contract on the attached list with the Defendant as the insured (hereinafter “instant insurance contract”) with the Defendant, and the main contents thereof are to pay hospital medical expenses, hospital allowances, and specific disease treatment expenses, etc. when hospitalized treatment is conducted due to disease.

(b) The expenses for hospitalization and medical treatment are to compensate for the difference of the expenses for hospitalization and loss of hospitalization, expenses for hospitalization, expenses for surgery, and expenses for illness in a hospital or clinic of a disease during the insurance period, and the daily allowances for hospitalization are to pay 30,000 won per day when hospitalized to a hospital or clinic of a disease during the insurance period, and the expenses for medical treatment of a specific disease means to pay 30,000 won per day exceeding 3 days when hospitalized for at least four consecutive days after the diagnosis and confirmation of a specific disease, such as a heart disease during the insurance period.

C. According to the terms and conditions of the instant insurance contract, the term “inpatient” refers to the act of entering a hospital, clinic, etc. or a person qualified as a dentist or an oriental medical doctor (hereinafter “doctor”), and where it is recognized that the treatment of a specific disease is necessary due to the need for treatment at home, etc., and it is difficult for him/her to provide medical treatment at home, etc., or a medical institution recognized by the Plaintiff as equivalent thereto, and transferred to the treatment under the control of

Serial 1 Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Ma31, May 31, 2007; from August 14, 2007 to November 14, 2007; 478, 5353 c-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-Mac-16, 161, 374, Sep. 11, 2008; 203.