1. The judgment of the first instance, including the counterclaim claim filed at the trial of the Defendant (Counterclaim Plaintiff) is as follows.

A principal lawsuit and counterclaim shall also be deemed a principal lawsuit and counterclaim.

1. Facts of recognition;

A. On June 22, 2007, June 11, 2008, and September 16, 2010, the Plaintiff concluded an insurance contract in attached Form 2 with the Defendant as the insured (hereinafter referred to as “each of the instant insurance contracts”, and each of the individual insurance contracts is referred to as “instant insurance contract” according to its number, and the main contents of the terms and conditions are as follows.

(hereinafter referred to as the "Terms and Conditions of this case"). See 14. (Damages No. 1 and 2 of this case) 14. (Damages) The Company is bound to compensate for the damage resulting from the injury (hereinafter referred to as "damage") in accordance with the Terms and Conditions, if the insured suffers bodily injury (excluding bodily assistance equipment, such as acceptance, intention, bill, doctor's duty, etc.) due to a sudden and incidental accident (hereinafter referred to as "accident") during the insurance period as stated in the insurance policy (insurance Policy).

17. (Insurance Money for Injury Caused by Injury): In the event that the insured was injured by an accident as prescribed in 14. (Compensation) and the injury was cured, and the company has lost part of its body within two years from the date of the accident, or has lost its function permanently (hereinafter referred to as "ex post facto disability") as a direct result, and the rate of payment specified in the Disability Classification Schedule remains less than 80% (hereinafter referred to as "general ex post facto disability"), the company shall pay to the beneficiary an amount calculated by multiplying the insurance coverage amount stated in the insurance policy in the insurance policy (insurance Policy) certificate by the rate of payment specified in the Disability Classification by the rate of payment specified in the Disability Classification (hereinafter referred to as "insurance Money for Damage Caused by Injury").

18. (Effect of Other Physical Injury or Disease) If an insured person has suffered a bodily injury as determined by 14. (Compensation for Loss) Any other accident causing such injury shall be the same as that of the existing physical injury or disease, or as the result of such injury as determined by 14. (Compensation for Loss)