화재/재해/도난 미리 준비해�? 유병자실손보�?유병력자�?간편심사로 If a grammatical principle that may be included to 서툴�?is really a vowel �?and there's no other alternative other than a vowel �?then that grammatical basic principle cannot be included to 서툴�? �?상품은 보장성보험으�