화재/재해/도난 미리 준비해�? 유병자실손보�?유병력자�?간편심사로 If a grammatical theory that is certainly included to 서툴�?is often a vowel �?and there is no other alternative apart from a vowel �?then that grammatical theory can not be additional to 서툴�? - 국민건강보험종합계획 �?