1. The Defendant shall pay to the Plaintiff KRW 21,660,000 and the interest rate of KRW 15% per annum from January 12, 2019 to the day of complete payment.

1. Facts of recognition;

A. On November 29, 2010, the Plaintiff entered into an insurance contract with the Defendant as the insured as indicated in the separate insurance contract (hereinafter “instant insurance contract”).

B. However, on August 4, 2018, prior to the conclusion of the instant insurance contract, the Plaintiff received outpatients from C Hospital to the symptoms of her urology, and received outpatients from the time to March 23, 2010, on a total of 21 occasions, from the time to March 23, 2010, due to abnormal scarcitys and abnormal scarcitys of cattle at the Jeonnam University Hospital and C Hospital, and an unidentified new scarcitys, etc., and received outpatients from the time to August 4, 2016, after entering into the instant insurance contract. After entering into the instant insurance contract, the Plaintiff received outpatients from the time to August 4, 2016, due to chronic diseases in D Hospital, Jeonnam University Hospital, and C Hospital, including chronic infections, and unknown new scarcitys.

C. On June 13, 2017, the Plaintiff filed a claim against the Defendant for the payment of the insurance proceeds under the instant insurance contract on the ground that the Plaintiff received a total of 13 occasions due to a chronic extension disease of which details are unknown from August 23, 2016 to May 16, 2017. Accordingly, the Defendant paid the Plaintiff KRW 1,314,868 in total and KRW 3,728 in interest and KRW 1,318,596 in interest.

Then, the Plaintiff received a chronic kidne disease from May 17, 2017 to May 23, 2017, and was hospitalized in E Hospital as a chronic kidne disease. From August 29, 2017 to September 23, 2017, the Plaintiff received a kidne surgery from E Hospital due to chronic kidne disease. On October 20, 2017, the Plaintiff filed a claim against the Defendant for payment of insurance proceeds under the insurance contract of this case on the ground that the Plaintiff received a kidne surgery after receiving the hospital treatment as above. The Defendant refused to pay the insurance proceeds, and notified the Plaintiff that the insurance contract of this case is terminated on the ground that the Plaintiff violated the Plaintiff’s duty of disclosure, and the above notification was given.