1. There is no insurance payment obligation of the Plaintiff against the Defendant based on each insurance contract listed in the separate sheet.

1. Facts of recognition;

A. The Plaintiff entered into each of the insurance contracts, such as the separate sheet, with the Defendant (hereinafter “each of the instant insurance contracts”).

나. 피고는 2013. 12. 18. 포천의료원에 내원하여 보험기간 중인 2009. 11. 18. 아침에 허리를 삐끗했다는 이유로 치료를 받은 후 “단순 방사선검사 및 척추 자기공명영상에서 요추5번-천추1번간 추간판 탈출 소견 관찰되고 허리통증 우하지 방사통을 고려하고 있어 이를 평가하면 약간의 추간판 탈출증으로 사료되며 관여도는 과거력 및 수상 직후 증상발현을 고려할 때 외상성 50%이고 영구장해”라는 소견을 받고 원고에게 보험금을 청구하였다.

C. Under each of the insurance contracts of this case, the term “Masteging Insurance” refers to the amount of 30 million won in the event of the following disability. The term “Masteging Integrated Insurance” refers to the insurance coverage amounting to 10 million won in the event of the following disability. The term “Masteging Integrated Insurance” refers to 10 million won in the event of the injury or death, 10 million won in the event of the injury or death, 80% or more in the event of the injury or death, and 10 million won in the event of the injury, and 50% or more in the event of the injury, 10 million won in the event of the injury, and 10 million won in the event of the injury. Meanwhile, the term of each of the insurance contracts of this case provides as follows in relation to the subsequent disability: (1) In the event of the injury caused by the accident stipulated in the “damage Guarantee”, the Plaintiff has lost part of the body within 2 years in the date of the injury, or has lost its permanent function (hereinafter “after disability”).

(2) Insurance proceeds from an injury general disability: Within two years from the date of the accident as a direct result after the injury was cured due to an accident prescribed in the "damage Guaranteeing the Insured".