A. B concluded the instant insurance contract with the Plaintiff on December 24, 2013, and the main contents of the said terms and conditions (hereinafter “instant terms and conditions”) are as follows.

[1304] Article 15 (Types and Grounds for Payment of Insurance Money) (1) The Company shall pay the insurance money agreed upon to the beneficiary (beneficiary) when any of the following events occurs to the insured (beneficiary).

2. Where each disability payment rate provided for in the attached Table 1 of the Disability Classification Table becomes a disability less than 80% during the insurance period: He/she shall pay the subscription amount for the disability after general injury multiplied by the payment rate provided for in each subparagraph of attached Table 1 (hereinafter referred to as "insurance amount for general injury") as the insurance amount for general injury, general injury, or general disability (hereinafter referred to as "insurance amount for general injury").

(2) In this Agreement, the term "injury" means an injury sustained by a person due to an external accident which happens during the insurance period.

Article 16 (Detailed Provisions concerning Payment of Insurance Money) (1) Notwithstanding Article 15 (Types of and Grounds for Payment of Insurance Money), if a disability which appears temporarily after the completion of treatment or the period thereof is not less than five years, it shall be deemed as a disability after the completion of treatment, and Article 15 (Types of and Grounds for Payment of Insurance Money) shall be applied to the rate of payment of disability with 20% of the rate of payment of the relevant disability.

(8) If the insured (subject to insurance) and the company fail to reach an agreement on the rate of disability payment for the insured (subject to insurance), the insured (subject to insurance) and the third party agreed by the company may be determined and subject to the opinion of the third party.

The third party shall be determined by the medical specialists belonging to the general hospitals under the provisions of Article 3 (Medical Institutions) of the Medical Service Act (see other related Acts and subordinate statutes), and the medical expenses incurred in the determination of disability shall be borne by the company in full.

【Attachment 1.】