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1. The plaintiff's primary and conjunctive claims are all dismissed.
2. The costs of lawsuit shall be borne by the Plaintiff.
Reasons
1. Basic facts
A. The Plaintiff is a company with the objective of concluding various insurance contracts, collecting premiums, paying insurance proceeds, etc. under such contracts.
B. On November 30, 2007, the Defendant and C Co., Ltd. secured general injury, temporary living expenses, hospitalization expenses for diseases, disease-sustaining expenses, and treatment expenses for specific diseases as insured persons. The monthly insurance premium was set at KRW 122,832, and entered into an insurance contract indicated in the attached Table 1 (hereinafter “instant insurance contract”). On May 3, 2013, the Plaintiff acquired the instant insurance contract, etc. from C Co., Ltd. upon the Financial Services Commission’s decision to transfer the contract.
The medical room expenses (30,000,000,000,000 won per day) shall be 20,000 won (within 180 days) per day if a person was hospitalized in a hospital or clinic for at least one day due to a disease from a disease from a disease from a disease from a disease from a disease from a disease from a disease from a disease from a disease from a general injury, provisional living expenses, and general injury from a disease from a disease from a general injury from a disease from a general injury from a disease from a general injury, if a person was hospitalized in a hospital or clinic for at least one day, the medical room expenses (30,000,000) shall be 6,16,000,000,0000 won per day, or 16,000,000 won per day, or 16,000,000 won per day if he/she continued to be hospitalized or performed for at least four days for a direct purpose of the treatment of a disease from a specific disease from a specific disease from a general disease.
C. Major coverage of the instant insurance contract and the insured amount are as follows.
The defendant was hospitalized from August 17, 2008 to April 21, 2016, and received insurance money from the plaintiff according to the insurance contract of this case as shown in the attached Table 2.
E. Of the insurance policies to which the Defendant subscribed as the insured, the insurance payments for hospitalization due to disease treatment, similar to the instant insurance contract, are as follows.
The date of purchase of insurance products by an insurance company.