1. All of the plaintiff's claims are dismissed.

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

1. Facts of recognition;

A. On December 18, 2007, the Defendant concluded an insurance contract with the Plaintiff and the Defendant as the contractor and the insured, and with the content that the Plaintiff received hospitalization allowances, etc. from the Plaintiff when the insured was hospitalized due to an injury or disease (hereinafter “instant insurance contract”).

B. From November 3, 2010 to November 16, 2010, the Defendant received hospitalized treatment for 14 days at B Hospital due to knee-compane-compane kne-compane kne-compane kne-compan kne, and from that time to May 23, 2017, the Defendant received hospital treatment for 309 days in total, as shown in attached Table 2, and received KRW 21,289,823 from the Plaintiff as insurance money under the instant insurance contract.

C. Meanwhile, before and after the conclusion of the instant insurance contract, the insurance contract that the Defendant concluded with the insurance company including the Plaintiff and the Defendant as the contractor and the insured, and the premiums and the days of hospitalization paid accordingly are as listed in the following table.

(E) Table: 30,000 won A 195-08-18-18 Han-300,000 A. 2198-16 Franchis 21998-16 Franchis 31998-17, 1999-10-017) 46,050 A-200,000,000 250,000 250,000 250,000 250,000 250,000,000 per monthly insurance premium of 1995-10,000 A-200,000 won (300,000,000 won)