1. All of the plaintiffs' claims are dismissed.

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

1. Basic facts

A. On November 23, 2005, the Plaintiff and the Defendant entered into an insurance contract with the Plaintiff as the insured who is the husband of the Plaintiff A (hereinafter “instant insurance contract”).

Insurance types: Insured: E insurance period: November 23, 2005 to November 23, 2051: Plaintiff A beneficiary: Legal heir at the time of death.

B. At the time of the instant insurance contract, the Plaintiff A subscribed to the “A Special Agreement on the Medical Expenses for Diagnosis of Hemic Diseases” and the subscription amount is KRW 40,000,000.

C. Of the terms and conditions of the instant insurance contract (hereinafter “instant special terms and conditions”), the parts related to the instant case are as follows.

1. (Compensation for Loss) (1) If the insured as stated in the insurance policy (insurance policy) becomes final and conclusive as the first condition of the insurance term of this Special Terms and Conditions (hereinafter referred to as the “insurance term”) stated in the insurance policy (insurance policy, the company shall be bound to compensate for it in accordance with this Policy.

2. The above ① He shall mean that he is infected or infected with the insured from the time when the company's liability began under this contract.

Provided, That no compensation shall be made if the insured knew of the infection or outbreak before the commencement of liability.

2. (Definition and Confirmation of Diagnosis of Henal Diseases) (1) The term "Hudne heart diseases" means the following diseases (see attached Table 6) classified as hovascular diseases, which are classified as hnephism, hnephal heart fluorosis, hnephal heart fluorial fluorial fluorial fluorial fluorial fluorial fluorial fluorial fluorial fluorial fluorial fluorial fluorial fluorial fluor

(2) The diagnosis and confirmation of a He/she shall be conducted by a person with a doctor's license (excluding dentists) of a domestic hospital prescribed in Article 3 of the Medical Service Act or an overseas medical institution recognized by a company equivalent thereto, and such diagnosis shall be conducted.