1. The plaintiff's claim is dismissed.

2. The costs of lawsuit shall be borne by the Plaintiff.

1. Basic facts

A. On March 31, 2009, the Plaintiff concluded an insurance contract with the Defendant with the following content.

Insurance types: Securities number of the insurance policy holder B of the non-dividend PP PP (Hi0809): The insurance period of the Plaintiff: the principal coverage from March 31, 2009 to March 31, 2070: the insurance amount of the disability insurance in the ordinary terms and conditions and the amount of the insurance coverage: the amount of KRW 50 million for the general injury compensation fund of KRW 50,000,000 in the general injury compensation insurance amount of KRW 50,000 in the general injury compensation insurance amount of KRW 50,000 in the general injury, death, and disability after death;

B. The main provisions of the terms applicable to the instant insurance contract are as follows.

Article 15 (Compensation for Damages) (1) of the General Terms and Conditions (Compensation for Damages) If the insured has suffered bodily injury (excluding physical assistance equipment, such as clothes, artificial arms, bills, and clothing; hereinafter the same shall apply) 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 the Terms and Conditions.

Article 16 (Compensation for Non-Compensation) (1) The Company shall not compensate for any loss arising from any of the following causes:

7. A pregnancy, childbirth (including king), miscarriage or surgery, or other medical treatment for the insured. However, compensation shall be granted to the company for injury incurred by the company.

Article 18 (Insurance Money for Severe Disability) (2) General disability insurance money: The company shall, after receiving the injury from the insured due to the accidents as prescribed in Article 15 (Compensation for Damages), have lost part of the body or have lost its function permanently within two years from the date of the accident as a direct result of the cure of the injury.

(I)the payment rate specified in the Disability Classification Schedule shall be less than 80 per cent (hereinafter referred to as “general aftermath disability”).

(ii)if you have left, the rate of payment set out in the disability classification table shall be multiplied by the insurance policy (the insurance policy amount entered in the insurance policy).