1. The judgment of the first instance court, including any claim that has been reduced or added by this court, shall be modified as follows:

The defendant.

1. Facts of recognition;

A. The relationship between the parties (1) On September 30, 2009, the Plaintiff entered into an insurance contract (hereinafter “instant insurance contract”) with the Defendant as shown in the separate sheet (hereinafter “instant insurance contract”).

(2) Of the special terms and conditions of the instant insurance contract, the parts relating to the instant case are as follows.

44.In the event that the insured is hospitalized and treated during the insurance period of this Special Terms and Conditions (hereinafter referred to as "special terms and conditions") entered in the insurance policy (insurance policy), the company will pay to the beneficiary the amount fixed by this special terms and conditions stated in the insurance policy (insurance policy) per day of hospitalization within the maximum of 180 days pursuant to this special terms and conditions.

(2) In cases under paragraph (1), where the insured has been hospitalized twice or more during the period of insurance for the direct purpose of treating the same disease, the number of days of hospitalization shall be considered as continuous hospitalization and added up.

However, hospitalization for the same disease has been commenced after the lapse of 180 days from the date of the discharge of the final hospitalization for which the disease was paid.

46.Article 1 (Compensation for Loss) of the Special Terms and Conditions for the Guarantee of Nursing Expenses (1) A company will pay to beneficiaries the following amount according to the period of hospitalization when the insured is hospitalized in a hospital or Council member (including a herb hospital or Council member) for at least 31 days due to disease during the period of coverage of this Special Terms and Conditions (hereinafter referred to as “Special Terms and Conditions”) stated in the insurance policy (insurance Policy) and “the insurance period of this Special Terms and Conditions” (hereinafter referred to as “insurance period”).

61th day of the former hospitalization, 91th day of the hospitalization, which is stipulated in the insurance policy (insurance policy) for the nursing expenses of the disease, is 50% of the purchase amount of the insurance.