1. All of the plaintiffs' claims are dismissed.

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

1. The following facts may be found either in dispute between the parties or in full view of Gap evidence Nos. 1 to 14 (including paper numbers), Eul evidence Nos. 11 to 14, the results of this Court’s request for appraisal of medical records and the entire purport of the pleadings.

On May 11, 2012, the network D concluded an insurance contract with the Defendant by designating a beneficiary of insurance as a legal heir at the time of death as the beneficiary of insurance (hereinafter “instant insurance contract”). The said insurance contract includes the following:

1) The special terms and conditions of disability with a disease80% or more of the total amount of the insurance coverage amount and 90% or more of the total amount of the medical care benefit which the insured has been subject to diagnosis during the insurance period (Provided, That where the insured has received diagnosis or treatment within the past five years from the date of subscription for the insurance contract, 10,000,000 won or more shall be paid to the beneficiary: Provided, That where the insured has received treatment due to a disease, 50,000,000 won or more of the total amount of the medical care benefit and the part of the non-benefit, 90% or more of the total amount of the medical care benefit which the insured has been subject to diagnosis or treatment within the past five years from the date of subscription for the insurance contract, 30% of the total amount of the insurance coverage (excluding the diagnosis or treatment within the past five years from the date of subscription for the insurance contract; 10,000,000 won or more of the diagnosis or treatment within the past five years from the expiration date of the insurance contract);