1. The insurance contract entered in the separate sheet concluded between the Plaintiff and the Defendant B is invalid.

2. Defendant A.

1. Basic facts

A. On September 23, 2009, the Plaintiff entered into an insurance contract with Defendant B, and entered into an insurance contract with Defendant A (Defendant B’s husband) as the insured (hereinafter “instant insurance contract”).

B. After that, Defendant A was hospitalized for 22 days at C Medical Center on the ground that he/she exceeded January 18, 2010, and was hospitalized for about 29 days from around that time to February 19, 2014, and filed a claim for insurance proceeds under the instant insurance contract with the Plaintiff for 21,760,000 won during the period from February 16, 2010 to February 24, 2014.

C. Meanwhile, at the time of the conclusion of the instant insurance contract, the Defendants concluded multiple insurance contracts guaranteeing expenses for disease, injury, hospitalization, etc. with other insurance companies than the Plaintiff and received insurance proceeds therefrom. The details are as follows.

Table 1- In the name of each insurance company, the entry of “stock company” in the name of each insurance company as the insured by the defendant A is omitted.

(hereinafter the same shall apply)

On the date of conclusion of the contract, the contractor's name of the insurance fee (cost), disease, daily allowance for hospitalization, and the amount of the special agreement is clearly confirmed based on the evidence of the cost of the contract and the amount thereof.

The same shall also apply to Table 2.

On May 9, 2007, there are 1ING Life Insurance Co., Ltd. 55,100 A non-life insurance on May 9, 2007.3.5. A (U) 146,840 U.S. 146,840 U.S. 5 March 5, 2009, A (U.S.) A (U. 16.16.16. B (U.) A (U.S. 44,878, B) B (U. 978, B) B (U. 409, B) 009, B) 309, B) 909, B (U.S. 405, B) 909, B09, B09, B09, B09, B09, B09, B09, B09, B09, 305,709,509,709,