On May 6, 2005, the Defendant concluded an insurance contract between the Plaintiff and the insured as the Defendant on May 6, 2005, with the content that the Plaintiff would compensate for the loss incurred due to the injury when the insured sustained bodily injury due to the “emergency accidents” during the insurance period (hereinafter “instant insurance contract”).

The main contents of the insurance contract of this case are as follows.

Section 1. (Non-Compensation for Loss) The Company shall not compensate for any loss arising out of the following causes:

(7) The pregnancy, childbirth (including king), miscarriage or surgery of the insured, and other medical treatment. However, in the case of injury borne by the company, compensation shall be made for the injury.

22. (Extinctive Prescription) If the right to claim a insurance claim, insurance premium or refund is not exercised for two years, the extinctive prescription is completed.

Section B. Special Terms and Conditions Concerning the Determination of Drivers' Bill

1. Terms and conditions of a special disability with at least 50% of injury;

1. (Compensation for Loss) If the insured, as stated in the insurance policy (insurance Policy), suffers bodily injury (except for physical assistance equipment, such as number, doubt, bill, doctor's duty, etc.) due to a sudden and incidental accident (hereinafter referred to as "accident") during the insurance period, the company shall compensate for the damage resulting from the injury (hereinafter referred to as "damage") in accordance with this special terms and conditions.

2. (Bodily Injury 50 per cent or More) A company shall be a part of the body within one year from the date of an accident resulting from the injury sustained by the insured as a result of an accident described in the insurance policy (insurance Policy) and resulting in a direct result after the injury was cured;