1. The plaintiff's primary claim and the conjunctive claim are all dismissed.

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

1. Basic facts

A. On March 22, 2013, the Plaintiff entered into an insurance contract with the Defendant, who is an insurance company, with the policyholder and the beneficiary, the supporter, and the insured as the fetus that was pregnant at the time of the Plaintiff, and with the content of the General Agreement on the Guarantee of Disability Compensation for the Injury (Amount of insurance coverage: 10 million won) and the General Agreement on the Guarantee of Disability Pension for the Disability Pension with 80% or more of the general injury (amount of insurance coverage: 20 million won) (hereinafter “instant insurance contract”).

Article 15 (Types and Grounds for Payment of Insurance Money) The Company shall pay the insurance money agreed upon to the beneficiary (beneficiary) when any of the following events occurs to the insured (beneficiary).

1. Inflicting an injury during the insurance period (excluding physical assistance equipment, such as artificial organs, artificial arms, artificial limbs, and artificial arms, but including cases where a person is transplanted and performs its functions on behalf of another person due to a sudden and incidental external accident that happens during the insurance period;

) If the injury suffered is a disability equivalent to the disability payment rate of at least 80 per cent as specified in the disability classification table (as shown in the Schedule; hereinafter the same shall apply), the full amount of the insurance coverage shall be paid to the beneficiary (person receiving the insurance money) with the highly advanced disability insurance proceeds.

2. If there is a disability equivalent to a rate less than 80% specified in the Disability Classification Table (see the attached Table; hereinafter the same shall apply) during the insurance period, an amount calculated by multiplying the payment rate specified in the Disability Classification Table by the insurance amount shall be paid to the beneficiary (person receiving the insurance amount) as the insurance amount for the general aftermath disability.

Article 2 of the General Injury Pension Clause (Types and Grounds for Payment of Insurance Money) of the General Injury Pension Clause (Types and Grounds for Payment of Insurance Money) shall be the insured insurance period during the insurance period of the Special Policy.