1. The judgment of the court of first instance is modified as follows.

Attached Form

1. Attached Form concerning the stated insurance accidents;

2. The description;

A principal lawsuit and counterclaim shall also be deemed a principal lawsuit and counterclaim.

1. The payment of insurance proceeds, etc. to H [General Guarantee Clause] Article 24] (1) Upon receipt of the documents prescribed in Article 23, the company shall issue a certificate of receipt, and shall close the insurance proceeds, liability reserves, or refund money for cancellation of the contract within three days from the date of receipt of the documents, or shall close the payment of insurance proceeds, the liability reserve, or the premium.

Provided, That where it is necessary to investigate or confirm the grounds for payment of insurance money, liability reserve, or insurance premium exemption, the insurance money or liability reserve shall be exempted or the insurance premium shall be exempted within 10 days from the date of receipt.

(3) Where the company deems it necessary for the investigation or confirmation of the cause for payment under paragraph (1), the insured shall agree to undergo the diagnosis of a doctor designated by the company, the examination of medical expenses, and other investigations (including submission of inspection data necessary for diagnosis), unless there is any justifiable reason, and the doctor designated by the insured and the doctor designated by the company shall be required to pay insurance money or liability reserves or exempt from the payment of insurance premiums, if they agree on the diagnosis and treatment contents, the duration of hospitalization,

However, if the will of the insured and the company fail to reach an agreement, the insured and the company may agree and determine the third will and comply with the third will's opinion.

In this Clause, the terms "Proceedings designated by the Company" and "Proceedings 3" shall be determined from among the third medical institutions prescribed by the Medical Insurance Act, and medical expenses under this paragraph shall be borne by the Company.

[Standard for Payment of the Insurance Money] Article 5 of the J Special Agreement 1 The Company shall pay the insurance money agreed upon to the beneficiary (see attached Table 1 and the “Insurance Money Standard Table”) to the insured when any of the following events occurs during the insurance period:

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