1. The plaintiff's claim is dismissed.

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

1. Basic facts

A. B entered into the instant insurance contract with the Defendant as the insured on January 7, 2005, with the Plaintiff as the insured (hereinafter “instant insurance contract”). Of the terms and conditions of the instant insurance contract, with respect to the expenses for diagnosis of the blood heart disease, the total amount of the insurance amount of KRW 40 million is KRW 40 million. The main contents of the instant insurance contract relating to the instant case are as follows.

16. Clause of 16-1 of the Special Terms and Conditions of the expenses for the diagnosis of Hemovascular diseases (Initial Contract);

1. If the insured stated in the insurance policy becomes final and conclusive due to the first bruent disease during the insurance period of this special agreement entered in the insurance policy, the insured shall be compensated for in accordance with the terms and conditions.

The term so-called Hudovascular disease refers to the so-called Madovascular disease that has been infected or has been caused to the insured from the time when the company's responsibility began under this contract.

2. The definition and diagnosis determination of the Hemovascular disease refers to the disease classified as the stimulism, acute stimulism, acute stimulism, acute stimulism, acute stimulism, acute stimulism, and acute typhism, and chronic typhism diseases in the classification that is the third Korean Standard Disease Disease.

The diagnosis and confirmation of a Hemovascular disease shall be made by a person who holds a certificate of doctor's license of a domestic hospital as provided for in Article 3 of the Medical Service Act or a foreign medical institution overseas recognized by the company as equal to the above, and this diagnosis shall be based on the heart, heart, ultra-symphym, ornamental beerm, ornamental beerm, and heart test of blood, etc. along with the medical history.

4. If the insured’s first diagnosis becomes final and conclusive, the following amounts shall be paid only once in accordance with this Special Terms and Conditions:

The amount of classified compensation shall be the expenses for diagnosis of bruent diseases.