On June 16, 2011, the Plaintiff entered into a comprehensive insurance contract (hereinafter “instant insurance contract”) containing the content that the Defendant pays disability insurance proceeds by multiplying 200 million won (in the event that the Plaintiff, the insured, was in the state of disability of at least 3% due to injury, by disability payment rate, and the terms and conditions relating thereto (hereinafter “instant terms and conditions”) are as follows.

Article 16 (Types and Causes of Payment of Insurance Money) Where the rate of disability payment is at least 3% due to the amount of insurance money paid after the type of insurance money, the amount calculated by multiplying the amount of insurance coverage prescribed in the Disability Classification Table by the amount of insurance coverage. (1) Where the insured (person subject to insurance) is in a state of disability equivalent to the rate of disability payment prescribed in the Disability Classification Table (Attachment 1) as a direct result of an injury during the insurance period, the company shall pay the following amount as insurance money to the beneficiary (person who receives the insurance money).

2. The term "injury" in this contract means an injury sustained by a person (excluding bodily assistance equipment, such as artificial organs or parts, but including where artificial organs or parts, are transplanted and substituted for its function) due to an external accident that happens rapidly and rapidly during the insurance period.

Article 17 (Detailed Provisions concerning Payment of Insurance Money) (1) Notwithstanding Article 16 (Types and Grounds for Payment of Insurance Money) (1) and (3), Article 16 (Types and Grounds for Payment of Insurance Money) (1) and (3) shall apply to any disability which appears permanently fixed but appears temporarily after treatment for at least five years when the period is at least five years, the rate of payment of the relevant disability shall be 20 percent of the rate of payment of the relevant disability.

(4) The subsequent disability that does not fall under the disability classification table shall be done regardless of the occupation, age, status, gender, etc. of an insured worker.