1. The plaintiff's claim is dismissed.

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

1. Basic facts

A. On July 6, 1995, the Plaintiff entered into an insurance contract and its contents 1) with the Defendant, with the insurance period from July 6, 1995 to July 6, 2013, and with the main insured from July 6, 2013, the Plaintiff entered into an insurance contract of “Class 2 and married couple type” with the beneficiary in the event of an accident other than death. The part relating to the instant insurance contract is as follows: If the insured status becomes a disability of Grades 2 through 6 in the list of disability categories due to a disaster under a special agreement on the payment of the grounds for coverage, 30% disability of the amount covered by a special agreement: 15% disability of the amount covered by a special agreement: 15% disability of the amount covered by a special agreement refers to an accident of contingency, but if an external factor occurs, or a minor external factor becomes worse, it refers to an accident other than the insurance period of the Plaintiff’s personal insurance contract of 1989.18.486.

of the terms of the insurance contract are as follows:

The following amount shall be paid according to the disability grade when the insured has become disabled in Grades 4 through 6 in the disability classification table due to the direct cause of the "disaster" other than the "traffic disaster": Grade 4: 30,000 won: 50,000 won: 6: 7,500,000 won as a result of a contingent external accident: Provided, That if a person who has a disease or physical handicap and has a minor external factor suffers from, or has aggravated, a minor external factor is an accident.