1. The plaintiff's appeal is dismissed.

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

The purport of the claim and appeal is the purport of the appeal.

1. Basic facts

A. On April 24, 2013, the Plaintiff entered into an insurance contract with the Defendant as an insurer running non-life insurance business, etc., and concluded the same insurance contract as shown in attached Form 2 with the Defendant designating the insured and the beneficiary of non-life insurance as the Defendant.

(hereinafter “instant insurance contract”). Among the instant insurance contract, the main contents of the terms and conditions relating to disease-sustaining disorders and 50% or more of the diseases are as follows:

[333.Special Terms and Conditions of Disability after Disease] Article 1 (Types and Grounds for Payment of Insurance Money) Company is bound to pay the insurance money for the disability to the beneficiary (person receiving the insurance money) as follows when the insured (person subject to insurance) becomes a disability corresponding to each disability payment rate set forth in the Disability Classification Table (See annexed Table 1) due to a disease diagnosed during the insurance period.

1. Where the rate of payment determined in the disability classification table is not less than 80%: The insurance amount shall be paid as the insurance amount for high-level disability and suspended disability;

2. Where the payment rate prescribed in the disability classification table is less than 80%: the amount calculated by multiplying the payment rate prescribed in the disability classification table by the insurance amount covered by the insurance amount in general shall be paid as the insurance amount for aftermath disability [the special terms and conditions of disability with not less than 50% of disease 50%] Article 1 (Types and Grounds for Payment of Insurance Money] Where the insured has left a disability with the disability payment rate of not less than 50% as determined in the disability classification table set forth in the disability classification table during the insurance period period, the insured has to pay the insurance amount in this special terms and conditions only once for the first time.

【Disability I’s Disability Classification Table II - 12. Classification rate of disability for chest organs and parthenogenesis; 1) When there is a serious obstacle to chest organs or parthenogenesis function; 2) when there is a serious obstacle to chest organs or parthenogenesis function when there is a serious obstacle to 3 chest organs or parthenogenesis function.

(a) Classification of disabilities;

(b)an obstacle;