가. 원고는 2012. 10. 25. 보험업자인 피고와 피보험자를 원고로 하는 내용의 (무)LIG YOU 플러스∥건강보험 계약(이하 ‘이 사건 보험계약’이라고 한다)을 체결하였는데 주요 보장내역은 아래와 같다.

In the event of a physical disability (payment multiplied by the disability payment rate) with less than 80% of the general injury resulting from less than 80% of the insurance premium for the life coverage/insurance period of less than 80%, (payment by an amount obtained by multiplying the disability payment rate) 20/100 of the general injury of not less than 80% of the general injury of not less than 20/100, and more than 80% of the general injury of not less than 20/100 in the event of the after disability

B. The main contents of the instant insurance contract are as follows.

Article 15 (Types and Grounds for Payment of Insurance Money) of the Insurance Terms and Conditions of the Insurance Contract of this case (Types and Grounds for Payment of Insurance Money) The Insured (Subject to Insurance) shall be excluded from physical assistive equipment, such as body(s) and body(s)(s)(s)(such as artificial organs or parts) due to a sudden and remote external accident that occurred during the period of insurance, but shall include cases where the Insured (Subject to Insurance) is transplanted and discharged

If an injury suffered is a disability equivalent to a disability payment rate of less than 80% prescribed in the Disability Classification Table (hereinafter referred to as the "Bodily Injury"), the amount calculated by multiplying the rate of disability payment prescribed in the Disability Classification Table by the amount of disability insurance coverage shall be paid to the beneficiary [the beneficiary of insurance (the beneficiary of insurance and the beneficiary of insurance if there is no designation of the beneficiary)] as the beneficiary of the subsequent disability insurance [the beneficiary of insurance and the beneficiary of insurance if there is no designation of the beneficiary]. Article 17 (Reasons for Not Payment of Insurance Money) shall not be covered by the insurance money in any of the following cases: Provided, That the insured (the beneficiary of insurance) shall not be paid if the cause for the payment of the insurance money occurs in one of the following cases:

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