Key legal question
Whether the skin condition qualified as a congenital defect under GgV no. 104 or 109 and entitled the insured to IV medical measures.
Extracted holding
The condition was not shown to be a congenital defect within nos. 104 or 109 GgV; the necessary treatment did not require excision or a more intensive intervention than simple excision.
Extracted reasoning
The medical records left the classification disputed; on a balance of probabilities the lesion was an epidermal nevus requiring only local skin care and wound care. Because the decisive severity depends in part on the required treatment, the absence of a need for excision or laser/surgical treatment excluded entitlement.