1. The plaintiff's appeal is dismissed.

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

The purport of the claim and appeal is the purport of the appeal.

Basic Facts

On February 7, 2012, Non-party South Sea Office entered into an insurance contract with the Defendant, the following non-party South Sea Office entered into a non-dividend global franchise insurance IV agreement with the Defendant:

The insured and beneficiaries of insurance proceeds: The insurance amount covered from February 8, 2012 to February 7, 2013: The insurance amount of KRW 15,000,000 under the main contract is KRW 50,000,000 under the special agreement for guaranteeing business losses without dividends (hereinafter “instant special agreement”), and the main contents of the said special agreement are as follows:

Article 10 (Types and Grounds for Payment of Insurance Money) The Company shall pay the insurance money agreed upon in the Schedule for Payment of Insurance Money (See attached Table 1) to the beneficiary (person who receives the insurance money) when the insured (person subject to insurance) becomes disabled at least 3% but 100% of the disability payment rate prescribed in the Schedule for Disability Classification (See attached Table 3) due to a disaster that occurred during the period of insurance under this special agreement.

Article 11 (Detailed Regulations on the Payment of Bati Insurance Money) (4) In the case of Article 10 (Types of and Grounds for Payment of Insurance Money), with respect to a temporary disability (hereinafter referred to as "Korean Market") which is not permanently fixed, but after the completion of treatment, if the period is at least five years, the rate of disability payment shall be 20% of the rate of disability payment in the market market.

[Attachment 1] 100% of the amount of insurance coverage under a special agreement on the insurance payment standard table (Article 10 of the Terms and Conditions) x the relevant disability payment rate [Attachment 3] disability classification table

1. “Disability” as referred to in 1 of the definition of disability means a state of damage to a permanent mental or physical body remaining in the body after recovering the injury or disease;

However, the main symptoms and combined symptoms of diseases and injuries and symptoms temporarily appearing in the course of treatment for them shall not be included in disabilities.

8. Obstruction of arms;

(a)the classification of disabilities;