1. The plaintiff's claim is dismissed.

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

Facts of recognition

The types of insurance contracts between the plaintiff and the defendant: The insurance period of the plaintiff's insurance contract for low-income comprehensive insurance for low-income hospitalization: From November 13, 2009 to November 16, 13, 2012: 1,094,200 won (36 installments, monthly payments, 30,410 won) for death insurance - Special Clause for guaranteeing that high-income disability occurred with at least 50% of the death insurance amount - Special Clause for guaranteeing that high-income disability occurred with at least 50 million won - The plaintiff entered into an insurance contract with the defendant on November 13, 2009 with the following contents:

(hereinafter referred to as “the instant insurance contract”). Article 24 (Compensation for Damages) (1) of the Guarantee of Injury Damage (hereinafter referred to as “the instant insurance contract”). If the insured (subject to insurance) suffered bodily injury (except for bodily assistive equipment, such as acceptance, will, bill, and pacta) due to a sudden and incidental accident (hereinafter referred to as “accident”) during the insurance period, the company is bound to compensate for the damage resulting from the injury (hereinafter referred to as “damage”) in accordance with the provisions of this Policy and the general provisions.

(6) If the residual disability occurs two or more times due to another injury, the rate of payment of the remaining disability shall be determined every time it is determined.

However, if the subsequent disability is aggravated on the same part of the insurance money for the previous disability, it shall be paid by subtracting the insurance money for the subsequent disability which has already been paid from the insurance money for the previous disability falling under the final condition of disability.

However, if the criteria for determining each physical parts of the disability classification table are separately prescribed, it shall be at the risk of complying with such criteria.

(7) Where a state of a residual disability occurs in the same part of the body of an insured person (person to be insured) who has already suffered a residual disability falling under any of the following cases, the insurance proceeds for the residual disability shall be deemed to have been paid in any of the following cases, and the insurance proceeds for the residual disability shall be deemed to have been paid in any of the following cases: