1. The plaintiff's claim is dismissed.

2. The costs of lawsuit shall be borne by the Plaintiff.

1. The premise: (a) On November 23, 201, the Plaintiff and the Defendant concluded an insurance contract listed in attached Table 1, which covers KRW 30,000 per day of hospitalization of a disease; and (b) on October 25, 201, concluded an insurance contract listed in attached Table 2, which covers KRW 20,000 per day of hospitalization of an injury.

(2) During the period from April 27, 2012 to November 17, 2014, the Defendant hospitalized 28 days in total for 373 days and claimed insurance proceeds to the Plaintiff. The Plaintiff paid KRW 11,410,000 in accordance with each of the instant insurance contracts.

[Ground of recognition] Unsatisfy, Gap evidence Nos. 1, 3, 4, 6, and 7, the purport of the whole pleadings

2. The Plaintiff’s assertion that each of the instant insurance contracts was concluded by the Defendant for the purpose of unfairly acquiring insurance proceeds through multiple insurance contracts is null and void as acts contrary to good morals and social order stipulated in Article 103 of the Civil Act. The Defendant is obligated to return the insurance proceeds received from the Plaintiff as unjust enrichment according to each of

3. Determination

A. Where a policyholder concludes an insurance contract for the purpose of unjust acquisition of insurance money through a large number of insurance contracts, the payment of insurance money under an insurance contract concluded for this purpose would be in deviation from social reasonableness by encouraging speculative spirit to gain unjust profits by abusing the insurance contract, and also would undermine the purpose of the insurance system, such as reasonable diversification of risks, destroying the contingentness of risks, and causing the sacrifice of the large number of subscribers, thereby impairing the foundation of the insurance system. Thus, such insurance contract is null and void against good morals and other social order under Article 103 of the Civil Act.

On the other hand, regarding whether a policyholder has concluded multiple insurance contracts for the purpose of illegally acquiring the insurance proceeds.