A. A. On January 2013, the Defendant purchased each insurance product listed in the separate sheet No. 2 that the Plaintiff sells (hereinafter “instant insurance contract”) and the main contents of the instant insurance contract are as follows.

Article 16 (3) of the General Terms and Conditions: If the rate of disability payment prescribed in the attached Table 1 (Disability Classification Table) becomes a disability equivalent to less than 80% due to an injury during the insurance period, the amount calculated by multiplying the payment rate prescribed in the attached Table 1 (Disability Classification) by the insurance coverage amount shall be paid as the general ex post facto disability insurance amount.

Table 10 attached Table 1 (Disability Classification Table) 10, which is less than the payment rate of obstacles (compact)

6. Article 2 (1) of the General Terms and Conditions for Guarantee of Disability invertebrates: Article 1 (Types and Grounds for Payment of Insurance Money) shall apply with respect to any temporarily fixed symptoms, but with respect to any temporarily appearing disability after the completion of treatment, if the period is not less than five years, 20% of the rate of payment of the relevant disability shall be the rate of payment of disability.

Article 2(7):In the event that the condition of the latter disability under the provisions of paragraph 6 of this Article occurs on the same part of the body of an insured person (person to be insured) who has already suffered the latter disability in either of the following cases, the insurance money for the latter disability shall be considered to have been paid in any of the following cases, and the insurance money for the latter disability shall be paid after deducting the insurance money for the latter disability which has already been considered to have been paid from the insurance money for the latter disability which falls under the condition

(1) Any residual disability that was caused by a cause prior to the commencement of guarantee of special terms and conditions or due to a disability that was caused before such special terms and conditions, but has not been subject to the payment of insurance proceeds

B. The defendant is "the accident of this case" listed in the attached Table 1 list.