1. The plaintiff's appeal is dismissed.

2. The costs of appeal shall be borne by the Plaintiff.

The purport of the claim and appeal is the purport of the appeal.

1. Basic facts

A. On August 11, 2006, the Plaintiff was merged with Defendant H Co., Ltd. (hereinafter “Defendant H Co., Ltd.”) on the part of August 11, 2006, and the said Defendant taken over the instant litigation procedure.

For convenience, the corporation before and after the merger is not separately classified, and the corporation is "Defendant B".

B) Between the insured and the beneficiary of the death insurance, the “E” contract was concluded, and the insurance contract was automatically renewed on August 11, 201. The renewed insurance period from August 11, 2011 to August 11, 2016, and the monthly insurance premium is KRW 52,400 (hereinafter “instant insurance contract”).

(2) On August 18, 2004, the Plaintiff entered into a contract of “F” with Defendant I Co., Ltd (hereinafter “Defendant C”) with the insurance period between August 18, 2004 and August 18, 204, with the permission of the Financial Services Commission, without distinguishing companies before and after the transfer of the insurance contract, and without distinguishing them from the company before and after the transfer of the insurance contract for convenience. The Plaintiff entered into a contract of “F” with the insurance period from August 18, 2004 to August 18, 204; the monthly insurance premium of KRW 16,500; the insured and the beneficiary of the non-life insurance (hereinafter “instant insurance contract”).

B. According to the insurance terms and conditions of each insurance contract of this case 1) according to the insurance contract of this case 1, where an insured worker suffers from a disease or accident during the insurance period, and performs an operation prescribed in the "Types and Classification Table of Attached Table 4" of the Insurance Terms and Conditions for the direct purpose of the treatment thereof, the pertinent surgery benefits (Class 1, 40,000 won, Class 2, Class 3,000,000 won) shall be paid to the beneficiary. 2) According to the insurance contract of this case 2, if the insured worker suffers from a disease or accident during the insurance period and performs an operation for the direct purpose of the treatment thereof, the surgery expenses set forth in the "Attachment 6 Non-Payment Table of the Insurance Terms and Conditions for the Insurance Terms and Conditions shall be 30,000 won per operation on the basis of one unit.