A. On July 30, 2007, the Plaintiff, an insurance business operator, concluded an insurance contract in attached Table 2 (hereinafter “instant insurance contract”) with the Defendant, and the main contents are as follows.

In the event that the remaining disability is less than 80% of the payment rate prescribed in the Disability Classification Table due to an injury by general security (3-79%) 10 million won due to an injury by general security (3-79%), the amount of insurance coverage for the ten-year period shall be calculated as "admission amount x payment rate", and where the relevant amount of selective security income compensation fund II 10 million won for the general injury by general injury, the payment rate prescribed in the Disability Classification Table is more than 50%, and the remaining disability remains, the amount of the insurance coverage for the ten-year period shall be paid on the date of each accident.

B. On September 23, 2013, the Defendant was subject to the insurance accident described in attached Table No. 1 (hereinafter “instant accident”), and around 2014, filed a claim with the Plaintiff for the payment of the insurance proceeds on the ground that the instant accident occurred due to the occurrence of a disability.

C. The provisions regarding the subsequent disability of the insurance contract of this case are as follows.

§ 13 (Compensation for Loss) (1) A company shall compensate for the loss resulting from the injury of the insured, if the insured has sustained bodily injury due to a sudden and incidental accident during the insurance period, during the period of coverage, in accordance with this Clause.

Article 16 (Insurance Money for Severe Disability) (2) In case the insured has suffered from an injury as prescribed in Article 13, and has lost part of his body within two years from the date of the accident as a direct result after recovering the injury, or has lost its function permanently as a result, and the latter disability (hereinafter referred to as "general disability") remains, the company shall pay to the beneficiary an amount calculated by multiplying the insurance policy amount entered in the insurance policy statement (insurance Policy) by the payment rate set in the disability classification table by the payment rate set in the disability classification table.

(6) The same;