1. Of the judgment of the court of first instance, the part against the defendant, which exceeds the amount ordered to be paid below, shall be cancelled.

1. Basic facts

A. The Minister of Knowledge Economy, who belongs to the defendant, bears the responsibility to pay insurance proceeds based on an insurance contract as an operator of postal insurance business in which the life or bodily injury of an insured person is handled by a communications agency as an insured accident pursuant to Articles 3 and 4

B. On June 3, 2003, the Plaintiff entered into a disaster relief insurance contract (hereinafter “instant insurance contract”) with the Defendant on June 3, 202, wherein the Plaintiff as the insured, the Plaintiff as the beneficiary, and the beneficiary of the beneficiary, on June 3, 2023, with the insurance period of 20 years, 16,400 won per month, and the payment for 10 years.

C. The main contents of the instant insurance contract and the terms and conditions (hereinafter “instant terms and conditions”) are as follows.

Insurance money to be paid (Article 12 and attached Table 1 of the Terms and Conditions)

1. Maturity installment: Insurance contribution already paid if a person live until the period of insurance expires;

3. The amount of the insurance proceeds from a holiday or disaster death: 50 million won when he/she dies due to a disaster (hereinafter referred to as "disaster") prescribed in attached Table 2 (Disaster Classification Table) that occurs on holidays.

5. Payment for disability benefits: When a person becomes disabled in Grades III through VI in the disability classification table due to a disaster, 100 to five million won for the payment of disability benefits: When the insured has died due to a cause other than disaster during the insurance period, disaster for which the insurance premium already paid means a contingent external accident (Provided, That where a person who has a disease or physical disorder suffers from a minor external factor or has aggravated symptoms, such minor external factor shall not be deemed an contingent external accident).

Disability refers to a permanent mental or physical damage caused by a disaster, the symptoms of which have not been completely recovered, but remains due to a fixed condition.

Grade IV of the physical disability shall be attached Table 3.