1. Basic facts

A. On July 3, 2012, the Plaintiff concluded each of the insurance contracts listed in the separate sheet No. 2 (hereinafter collectively referred to as “each of the instant insurance contracts”) with the beneficiary of D, the insured, and the beneficiary of the non-life insurance.

나. 피고는 2012. 7. 26. 15:00경 집에서 침대를 옮기다가 허리를 삐끗하는 사고(이하 ‘이 사건 보험사고’라 한다)를 당하였고, 다음날인 같은 해

7. On 27. 27. Appealing for severe pain pain, the E hospital was diagnosed as “Madern base and left-hand base,” and “Madern escape from the 4, 5-1,000 disc.”

C. According to the terms and conditions of each of the instant insurance contracts, where a state of disability is suffering from bodily injury caused by a sudden and remote accident that occurred during the insurance period, and where disability payment rate corresponds to 3% to 79%, an amount calculated by multiplying the amount of insurance coverage by the payment rate stipulated in the Disability Classification Table shall be paid as insurance proceeds (the name of each of the instant insurance contracts is referred to as “general disability insurance proceeds”).

The “Tink and the left-hand base” and “Tink-1,00-1,00 disks” fall under the “Tink escape certificate of a drug” in each of the terms and conditions of the insurance contracts of this case. Each disability classification table sets the disability payment rate of the “Tink escape certificate of a drug” as 10%, and each of the insurance contracts of this case sets the general injury injury insurance amount as KRW 300 million.

E. In addition, according to the terms and conditions of each of the instant insurance contracts, insurance proceeds are not paid in the event that the injury is not permanently fixed symptoms (or permanent disorder) remaining in the body after the cure. However, insurance proceeds equivalent to 20% of the relevant disability payment rate if the period is not less than five years even for any disability temporarily appearing after the completion of treatment, not permanent disability.