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class=\"direct-answer\">\n<strong>\ud575\uc2ec \ub2f5\ubcc0:<\/strong> \ubbf8\uc131\ub144\uc790\ub97c \ud53c\ubcf4\ud5d8\uc790\ub85c \ud55c \uc0ac\ub9dd\ubcf4\ud5d8\uacc4\uc57d\uc744 \uccb4\uacb0\ud560 \ub54c \uce5c\uad8c\uc790\uac00 \ubc95\uc815\ub300\ub9ac\uc778\uc73c\ub85c\uc11c \ubcf4\ud5d8\uacc4\uc57d\uc744 \uccb4\uacb0\ud558\ub294 \ud589\uc704\ub294, \uce5c\uad8c\uc790\uc640 \ubbf8\uc131\ub144\uc790 \uc0ac\uc774\uc758 \uc774\ud574\uc0c1\ubc18\ud589\uc704\uc5d0 \ud574\ub2f9\ud558\uc5ec \ubbfc\ubc95 \uc81c921\uc870\uc5d0 \ub530\ub77c \ud2b9\ubcc4\ub300\ub9ac\uc778 \uc120\uc784\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ucc3d\uc6d0\uc9c0\ubc29\ubc95\uc6d0 2025\uac00\ud56910707 \ud310\uacb0\uc740 \ud2b9\ubcc4\ub300\ub9ac\uc778 \uc120\uc784 \uc5c6\uc774 \uccb4\uacb0\ub41c \uc0ac\ub9dd\ubcf4\ud5d8 \ubd80\ubd84\uc740 \ubb34\ud6a8\uc774\ub098, \uc0c1\ud574\ub2f4\ubcf4 \ubd80\ubd84\uc740 \uc774\ud574\uc0c1\ubc18\ud589\uc704\uac00 \uc544\ub2c8\ubbc0\ub85c \uc720\ud6a8\ud558\ub2e4\uace0 \ud310\uc2dc\ud558\uc600\uc2b5\ub2c8\ub2e4. \ub610\ud55c \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc778 \uacc4\uc57d\uc790\uc5d0\uac8c\ub3c4 \ubcf4\ud5d8\ud68c\uc0ac\uc758 \uc124\uba85\uc758\ubb34\uac00 \uc778\uc815\ub418\uba70, \uc6b0\uc6b8\uc99d\u00b7ADHD \uc9c4\ub2e8\uc744 \ubc1b\uc740 \ud53c\ubcf4\ud5d8\uc790\uc758 \uc790\uc0b4\uc740 \uc2ec\uc2e0\uc0c1\uc2e4 \uc608\uc678\uac00 \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/div>\n<div class=\"hero\">\n  <span class=\"category-tag\">\ubcf4\ud5d8 \ubd84\uc7c1<\/span><\/p>\n<div class=\"hero-title\">\ubbf8\uc131\ub144\uc790 \uc0ac\ub9dd\ubcf4\ud5d8\uacfc \ud2b9\ubcc4\ub300\ub9ac\uc778 \ubbf8\uc120\uc784 \u2014<br \/>\ubcf4\ud5d8\uacc4\uc57d \ubb34\ud6a8\u00b7\uc124\uba85\uc758\ubb34 \uc704\ubc18\u00b7\uc790\uc0b4 \uba74\ucc45 \ud310\uacb0 \ubd84\uc11d<\/div>\n<div class=\"hero-meta\">\n<div class=\"hero-info\">\n      <strong>\ubc15\uc18c\uc601<\/strong> \u00b7 \ub300\ud45c\ubcc0\ud638\uc0ac, \ubc95\ubb34\ubc95\uc778 \uc544\ud2c0\ub77c\uc2a4<br \/>\n      \ucc3d\uc6d0\uc9c0\ubc29\ubc95\uc6d0 2025\uac00\ud56910707 \uc678 \uad00\ub828 \ud310\uacb0 \ubd84\uc11d\n    <\/div>\n<\/p><\/div>\n<\/div>\n<div class=\"content\">\n<div class=\"toc-nav\">\n<p class=\"toc-label\">\ubaa9\ucc28<\/p>\n<ol>\n<li><a href=\"#sec-case\">1. \ub300\uc0c1 \ud310\uacb0 \u2014 \ucc3d\uc6d0\uc9c0\ubc29\ubc95\uc6d0 2025\uac00\ud56910707<\/a><\/li>\n<li><a href=\"#sec-issue1\">2. \uc7c1\uc810 \u2460 \u2014 \ubbf8\uc131\ub144\uc790 \uc0ac\ub9dd\ubcf4\ud5d8\uacfc \uc774\ud574\uc0c1\ubc18\ud589\uc704 : \uacc4\uc57d\uc740 \ubb34\ud6a8\uc778\uac00?<\/a><\/li>\n<li><a href=\"#sec-issue2\">3. \uc7c1\uc810 \u2461 \u2014 \uc0c1\ud574\ub2f4\ubcf4 \ubd80\ubd84\uc740 \uc720\ud6a8\ud558\ub2e4 : \ud63c\ud569\ubcf4\ud5d8\uacc4\uc57d\uc5d0\uc11c \ubb34\ud6a8\uc758 \ubc94\uc704<\/a><\/li>\n<li><a href=\"#sec-issue3\">4. \uc7c1\uc810 \u2462 \u2014 \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc5d0 \ub300\ud55c \uc124\uba85\uc758\ubb34 : \uc804\ubb38\ubcf4\ud5d8\uacc4\uc57d\uc790\ub77c\ub3c4 \uba74\uc81c\ub418\uc9c0 \uc54a\ub294 \uacbd\uc6b0<\/a><\/li>\n<li><a href=\"#sec-issue4\">5. \uc7c1\uc810 \u2463 \u2014 \uace0\uc758 \uc790\uc0b4 \uba74\ucc45\uacfc \uc2ec\uc2e0\uc0c1\uc2e4 \uc608\uc678 : \uc6b0\uc6b8\uc99d\u00b7ADHD\ub85c \uc778\ud55c \uc790\uc0b4\uc740 \uba74\ucc45\uc5d0\uc11c \ubc97\uc5b4\ub098\ub294\uac00?<\/a><\/li>\n<li><a href=\"#sec-summary\">6. \ud310\uacb0 \uacb0\uacfc \uc694\uc57d<\/a><\/li>\n<li><a href=\"#sec-faq\">7. \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/a><\/li>\n<\/ol><\/div>\n<p class=\"lead-text\">2026\ub144 4\uc6d4 \ucc3d\uc6d0\uc9c0\ubc29\ubc95\uc6d0\uc740 \ubbf8\uc131\ub144\uc790\ub97c \ud53c\ubcf4\ud5d8\uc790\ub85c \ud55c \uc0ac\ub9dd\ubcf4\ud5d8 \ubd84\uc7c1\uc5d0\uc11c \uc8fc\ubaa9\ud560 \ub9cc\ud55c \ud310\uacb0\uc744 \uc120\uace0\ud558\uc600\uc2b5\ub2c8\ub2e4. \ud2b9\ubcc4\ub300\ub9ac\uc778 \ubbf8\uc120\uc784\uc73c\ub85c \uc778\ud55c \uc0ac\ub9dd\ub2f4\ubcf4 \ubb34\ud6a8, \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc778 \uacc4\uc57d\uc790\uc5d0 \ub300\ud55c \uc124\uba85\uc758\ubb34 \uc704\ubc18 \uc778\uc815, \uadf8\ub9ac\uace0 \uc6b0\uc6b8\uc99d\u00b7ADHD \uc9c4\ub2e8\uc744 \ubc1b\uc740 \ud53c\ubcf4\ud5d8\uc790\uc758 \uc790\uc0b4\uc5d0 \ub300\ud55c \uc2ec\uc2e0\uc0c1\uc2e4 \uc608\uc678 \u2014 \uc774 \uc138 \uac00\uc9c0 \uc7c1\uc810\uc774 \ud558\ub098\uc758 \uc0ac\uac74\uc5d0\uc11c \ub3d9\uc2dc\uc5d0 \ub2e4\ub8e8\uc5b4\uc84c\uc2b5\ub2c8\ub2e4.<\/p>\n<p class=\"summary-text\">\uc544\ub798\uc5d0\uc11c\ub294 \uc774 \ud310\uacb0\uc744 \uc911\uc2ec\uc73c\ub85c \uac01 \uc7c1\uc810\uc744 \ubd84\uc11d\ud558\uace0, \uad00\ub828\ub41c \uae30\uc874 \ud310\ub840\ub4e4\uc744 \ud568\uaed8 \uc0b4\ud3b4\ubd05\ub2c8\ub2e4. \ud310\uacb0\ubb38\uc5d0 \ub4f1\uc7a5\ud558\ub294 \ub2f9\uc0ac\uc790\ub294 \ubaa8\ub450 \uc775\uba85\uc73c\ub85c \ucc98\ub9ac\ud558\uc600\uc2b5\ub2c8\ub2e4(\uc6d0\uace0 X1\u00b7X2, \ud53c\uace0 Y, \ub9dd\uc778, \uae30\ud0c0 A\uc758\uc6d0\u00b7B\ubcd1\uc6d0 \ub4f1).<\/p>\n<p><\/p>\n<h2 id=\"sec-case\">\ub300\uc0c1 \ud310\uacb0 \u2014 \ucc3d\uc6d0\uc9c0\ubc29\ubc95\uc6d0 2025\uac00\ud56910707<\/h2>\n<div style=\"position:relative;width:100%;padding-top:56.25%;margin:28px 0 36px;background:#0d0d0d;border-radius:12px;overflow:hidden;\"><iframe src=\"https:\/\/atlaw.kr\/kr-blog\/wp-content\/uploads\/sites\/2\/2026\/05\/atlas-minor-insurance-ch01.html\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;border:0;\" allow=\"fullscreen\" allowfullscreen loading=\"lazy\"><\/iframe><\/div>\n<div class=\"case-card\">\n<div class=\"case-card-title\">\ud310\uacb0 \uae30\ubcf8 \uc815\ubcf4<\/div>\n<div class=\"case-card-row\"><span class=\"case-card-label\">\ubc95\uc6d0<\/span><span class=\"case-card-value\">\ucc3d\uc6d0\uc9c0\ubc29\ubc95\uc6d0 \uc81c6\ubbfc\uc0ac\ubd80<\/span><\/div>\n<div class=\"case-card-row\"><span class=\"case-card-label\">\uc120\uace0\uc77c<\/span><span class=\"case-card-value\">2026. 4. 24.<\/span><\/div>\n<div class=\"case-card-row\"><span class=\"case-card-label\">\uc0ac\uac74\ubc88\ud638<\/span><span class=\"case-card-value\">2025\uac00\ud56910707<\/span><\/div>\n<div class=\"case-card-row\"><span class=\"case-card-label\">\ub2f9\uc0ac\uc790<\/span><span class=\"case-card-value\">\uc6d0\uace0 X1\u00b7X2(\ub9dd\uc778\uc758 \ubd80\ubaa8) \/ \ud53c\uace0 Y(\ubcf4\ud5d8\ud68c\uc0ac)<\/span><\/div>\n<div class=\"case-card-row\"><span class=\"case-card-label\">\uccad\uad6c<\/span><span class=\"case-card-value\">\uc8fc\uc704\uc801: \uc0ac\ub9dd\ubcf4\ud5d8\uae08 2\uc5b5 \uc6d0 + \uace8\uc808\uc9c4\ub2e8\ube44 80\ub9cc \uc6d0 \/ \uc81c1 \uc608\ube44\uc801: \uc124\uba85\uc758\ubb34 \uc704\ubc18 \uc190\ud574\ubc30\uc0c1 \/ \uc81c2 \uc608\ube44\uc801: \ub0a9\uc785 \ubcf4\ud5d8\ub8cc \ubc18\ud658<\/span><\/div>\n<div class=\"case-card-row\"><span class=\"case-card-label\">\uacb0\uacfc<\/span><span class=\"case-card-value\">\uace8\uc808\uc9c4\ub2e8\ube44 \uac01 40\ub9cc \uc6d0 \uc778\uc6a9 <span class=\"verdict-partial\">\uc77c\ubd80 \uc778\uc6a9<\/span> &nbsp;\u00b7&nbsp; \uc190\ud574\ubc30\uc0c1 1\uc5b5 4,000\ub9cc \uc6d0 \uc778\uc6a9 <span class=\"verdict-win\">\uc778\uc6a9<\/span><\/span><\/div>\n<\/p><\/div>\n<h3>\uc0ac\uc2e4\uad00\uacc4<\/h3>\n<p>X1\u00b7X2\ub294 \ub9dd\uc778(1999\ub144\uc0dd)\uc758 \ubd80\ubaa8\uc785\ub2c8\ub2e4. X1\uc740 2015. 7. 14. \ub9dd\uc778\uc774 \ub9cc 15\uc138\uc774\ub358 \ub54c, \ub9dd\uc778\uc744 \ud53c\ubcf4\ud5d8\uc790\ub85c \ud558\uc5ec Y \ubcf4\ud5d8\ud68c\uc0ac\uc758 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uc600\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8 \ub0b4\uc6a9\uc740 \uc0c1\ud574\uc0ac\ub9dd \ud569\uacc4 2\uc5b5 \uc6d0(\uc8fc\uacc4\uc57d 1,000\ub9cc \uc6d0 + \ud2b9\uc57d 1\uc5b5 9,000\ub9cc \uc6d0), \uace8\uc808\uc9c4\ub2e8\ube44 \ud569\uacc4 80\ub9cc \uc6d0 \ub4f1\uc774\uba70, \uc0ac\ub9dd \uc2dc \ubcf4\ud5d8\uc218\uc775\uc790\ub294 \ubc95\uc815\uc0c1\uc18d\uc778\uc774\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uac00\uc785 \ub2f9\uc2dc X1\uc740 \ubcf4\ud5d8\uc124\uacc4\uc0ac \uc790\uaca9\uc744 \ubcf4\uc720\ud558\uace0 \uc788\uc5c8\uace0, \ubcf4\ud5d8\uccad\uc57d\uc11c\uc758 \ud53c\ubcf4\ud5d8\uc790 \ubcf8\uc778 \uc11c\uba85\ub780\uc740 \uacf5\ub780\uc778 \ucc44 X1\u00b7X2\ub9cc \ubc95\uc815\ub300\ub9ac\uc778\uc73c\ub85c \uc11c\uba85\ud558\uc600\uc2b5\ub2c8\ub2e4. \ub9dd\uc778 \ubcf8\uc778\uc758 \uc11c\uba74 \ub3d9\uc758\ub97c \uc704\ud55c \ud2b9\ubcc4\ub300\ub9ac\uc778\uc740 \uc120\uc784\ub418\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9dd\uc778\uc740 2021\ub144\uacbd\ubd80\ud130 \uc7ac\ubc1c\uc131 \uc6b0\uc6b8\uc7a5\uc560 \uc9c4\ub2e8\uc744 \ubc1b\uace0 2023. 9.\uae4c\uc9c0 \uce58\ub8cc\ub97c \ubc1b\uc544\uc654\uc73c\uba70, ADHD \uc57d\uc744 \ubcf5\uc6a9\ud558\ub2e4\uac00 2023. 8.\uacbd\ubd80\ud130\ub294 \ubcf5\uc6a9\uc744 \uc911\ub2e8\ud558\uc600\uc2b5\ub2c8\ub2e4. 2023. 10. 19. \uc544\ud30c\ud2b8 12\uce35 \ucc3d\ubb38\uc5d0\uc11c \ucd94\ub77d\ud558\uc5ec \ub450\ubd80\uc190\uc0c1 \ubc0f \ub2e4\ubc1c\uc131 \uc7a5\uae30\uc190\uc0c1\uc73c\ub85c \uc0ac\ub9dd\ud558\uc600\uace0, \ud604\uc7a5\uc5d0\uc11c \uc720\uc11c\uac00 \ubc1c\uacac\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p><\/p>\n<h2 id=\"sec-issue1\">\uc7c1\uc810 \u2460 \u2014 \ubbf8\uc131\ub144\uc790 \uc0ac\ub9dd\ubcf4\ud5d8\uc5d0\uc11c \uacc4\uc57d\uc740 \ubb34\ud6a8\uc778\uac00?<\/h2>\n<div style=\"position:relative;width:100%;padding-top:56.25%;margin:28px 0 36px;background:#0d0d0d;border-radius:12px;overflow:hidden;\"><iframe src=\"https:\/\/atlaw.kr\/kr-blog\/wp-content\/uploads\/sites\/2\/2026\/05\/atlas-minor-insurance-ch02.html\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;border:0;\" allow=\"fullscreen\" allowfullscreen loading=\"lazy\"><\/iframe><\/div>\n<p>Y\ub294 \uc774 \uc0ac\uac74 \ubcf4\ud5d8 \uc911 \uc0ac\ub9dd\ub2f4\ubcf4 \ubd80\ubd84\uc774 \uc0c1\ubc95 \uc81c731\uc870 \ubc0f \ubbfc\ubc95 \uc81c921\uc870 \uc704\ubc18\uc73c\ub85c \ubb34\ud6a8\ub77c\uace0 \uc8fc\uc7a5\ud558\uc600\uace0, \ubc95\uc6d0\uc740 \uc774\ub97c \ubc1b\uc544\ub4e4\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>\ubc95\uc6d0\uc758 \ud310\ub2e8<\/h3>\n<p>\uc0c1\ubc95 \uc81c731\uc870 \uc81c1\ud56d\uc740 \ud0c0\uc778\uc758 \uc0ac\ub9dd\uc744 \ubcf4\ud5d8\uc0ac\uace0\ub85c \ud558\ub294 \ubcf4\ud5d8\uacc4\uc57d\uc5d0\ub294 \ubcf4\ud5d8\uacc4\uc57d \uccb4\uacb0 \uc2dc\uc5d0 \uadf8 \ud0c0\uc778\uc758 \uc11c\uba74\uc5d0 \uc758\ud55c \ub3d9\uc758\ub97c \uc5bb\uc5b4\uc57c \ud55c\ub2e4\uace0 \uaddc\uc815\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uac15\ud589\uaddc\uc815\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uc0ac\uac74 \ubcf4\ud5d8 \uc911 \uc0ac\ub9dd\ub2f4\ubcf4 \ubd80\ubd84\uc740 \ubcf4\ud5d8\uc0ac\uace0 \ubc1c\uc0dd\uc774 \uce5c\uad8c\uc790\uc778 X1\u00b7X2\uc5d0\uac8c\ub294 \uae08\uc804\uc801 \uc774\uc775\uc774 \ub418\ub294 \ubc18\uba74, \ub9dd\uc778\uc758 \uc0ac\ub9dd\uc774 \uc804\uc81c\uac00 \ub420 \ubfd0 \uc5b4\ub5a0\ud55c \uacbd\uc6b0\uc5d0\ub3c4 \ub9dd\uc778\uc5d0\uac8c\ub294 \uc774\uc775\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc774\ub294 \ubbfc\ubc95 \uc81c921\uc870 \uc81c1\ud56d\uc758 \uc774\ud574\uc0c1\ubc18\ud589\uc704\uc5d0 \ud574\ub2f9\ud558\uc5ec \ud2b9\ubcc4\ub300\ub9ac\uc778\uc774 \uc120\uc784\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \ud2b9\ubcc4\ub300\ub9ac\uc778 \uc120\uc784 \uc5c6\uc774 X1\u00b7X2\uac00 \ubc95\uc815\ub300\ub9ac\uc778\uc73c\ub85c\uc11c \ub3d9\uc758\uc758 \uc758\uc0ac\ud45c\uc2dc\ub97c \ud55c \uac83\uc740 \uac15\ud589\uaddc\uc815 \uc704\ubc18\uc73c\ub85c\uc11c \uacc4\uc57d \uccb4\uacb0 \uc2dc\ubd80\ud130 \ud6a8\ub825\uc774 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud53c\uace0 Y\uac00 \uc2a4\uc2a4\ub85c \ubb34\ud6a8\ub97c \uc8fc\uc7a5\ud558\ub294 \uac83\uc774 \uc2e0\uc758\uc131\uc2e4 \uc6d0\uce59\uc774\ub098 \uae08\ubc18\uc5b8 \uc6d0\uce59\uc5d0 \ubc18\ud55c\ub2e4\ub294 X1\u00b7X2\uc758 \uc8fc\uc7a5\ub3c4 \ubc1b\uc544\ub4e4\uc5ec\uc9c0\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4. \uc0c1\ubc95 \uc81c731\uc870 \uc81c1\ud56d\uc740 \ub3c4\ubc15\ubcf4\ud5d8\uc758 \uc704\ud5d8\uc131\uacfc \ud53c\ubcf4\ud5d8\uc790 \uc0b4\ud574 \uc704\ud5d8\uc131 \ubc0f \uacf5\uc11c\uc591\uc18d \uce68\ud574 \uc704\ud5d8\uc744 \ubc29\uc9c0\ud558\uae30 \uc704\ud55c \uac15\ud589\uaddc\uc815\uc774\ubbc0\ub85c, \uacc4\uc57d \ub2f9\uc0ac\uc790 \uc2a4\uc2a4\ub85c \ubb34\ud6a8\ub97c \uc8fc\uc7a5\ud558\ub354\ub77c\ub3c4 \uc2e0\uc758\uce59\uc5d0 \ubc18\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<div class=\"ref-cases\">\n<div class=\"ref-cases-title\">\uad00\ub828 \ud310\ub840<\/div>\n<div class=\"ref-case-item\">\n<div class=\"ref-case-num\">\uad11\uc8fc\uc9c0\ubc29\ubc95\uc6d0 \uc21c\ucc9c\uc9c0\uc6d0 2018. 5. 2. \uc120\uace0 2017\uac00\ub2e88948 \ud310\uacb0 <span class=\"verdict-lose\">\uc6d0\uace0 \ud328\uc18c<\/span><\/div>\n<p>\ubbf8\uc131\ub144\uc790\uc774\uc790 \uc9c0\uc801\uc7a5\uc560 3\uae09\uc778 \ub9dd\uc778\uc744 \ud53c\ubcf4\ud5d8\uc790\ub85c \ud55c \ubcf4\ud5d8\uacc4\uc57d\uc5d0\uc11c, \ubc95\uc6d0\uc740 \ub450 \uac00\uc9c0 \ub3c5\ub9bd\ub41c \uadfc\uac70\ub85c \ubb34\ud6a8\ub97c \uc778\uc815\ud558\uc600\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, \uc2ec\uc2e0\ubbf8\uc57d\uc790\uc758 \uc0ac\ub9dd\uc744 \ubcf4\ud5d8\uc0ac\uace0\ub85c \ud558\ub294 \ubcf4\ud5d8\uacc4\uc57d\uc740 \uc0c1\ubc95 \uc81c732\uc870\uc5d0 \ub530\ub77c \ubb34\ud6a8\uc785\ub2c8\ub2e4. \ub458\uc9f8, \uc774\uc640 \ubcc4\ub3c4\ub85c \ud2b9\ubcc4\ub300\ub9ac\uc778 \uc120\uc784 \uc5c6\uc774 \uce5c\uad8c\uc790\uac00 \uc9c1\uc811 \uccb4\uacb0\ud55c \uacc4\uc57d\uc740 \uc774\ud574\uc0c1\ubc18\ud589\uc704\uc5d0 \ud574\ub2f9\ud558\uc5ec \ubbfc\ubc95 \uc81c921\uc870 \uc704\ubc18\uc73c\ub85c \ubb34\ud6a8\uc785\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<div class=\"ref-case-item\">\n<div class=\"ref-case-num\">\uc218\uc6d0\uc9c0\ubc29\ubc95\uc6d0 2016. 5. 31. \uc120\uace0 2015\uac00\ub2e8116465 \ud310\uacb0 <span class=\"verdict-lose\">\uc6d0\uace0 \ud328\uc18c<\/span><\/div>\n<p>15\uc138 \uc774\uc0c1\uc758 \ubbf8\uc131\ub144\uc790\ub77c\ub3c4 \uc0dd\uba85\ubcf4\ud5d8\uc5d0\uc11c \ud53c\ubcf4\ud5d8\uc790 \ubcf8\uc778\uc758 \uc11c\uba74\ub3d9\uc758\uac00 \ud544\uc694\ud558\uace0, \uce5c\uad8c\uc790\uc778 \ubc95\uc815\ub300\ub9ac\uc778\uc774 \uc774\ub97c \ub300\uc2e0\ud558\uc5ec \ud589\uc0ac\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uc124\ub839 \ubc95\uc815\ub300\ub9ac\uc778\uc758 \ub300\ub9ac\ud589\uc0ac\uac00 \ud5c8\uc6a9\ub41c\ub2e4 \ud558\ub354\ub77c\ub3c4, \uadf8 \ub3d9\uc758 \ud589\uc704 \uc790\uccb4\uac00 \uc774\ud574\uc0c1\ubc18\ud589\uc704\uc5d0 \ud574\ub2f9\ud558\ubbc0\ub85c \ud2b9\ubcc4\ub300\ub9ac\uc778\uc774 \uc120\uc784\ub418\uc5b4\uc57c \ud55c\ub2e4\uace0 \ud310\uc2dc\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<div class=\"ref-case-item\">\n<div class=\"ref-case-num\">\uc11c\uc6b8\uc911\uc559\uc9c0\ubc29\ubc95\uc6d0 2017. 12. 8. \uc120\uace0 2017\ub09861975 \ud310\uacb0 <span class=\"verdict-partial\">\uc77c\ubd80 \uc778\uc6a9<\/span><\/div>\n<p>\ub3d9\uc77c\ud55c \ubc95\ub9ac\ub97c \uc801\uc6a9\ud558\uc5ec \uc77c\ubc18\uc0c1\ud574\uc0ac\ub9dd\ub2f4\ubcf4 \ubd80\ubd84\uc744 \ubb34\ud6a8\ub85c \ubcf4\ub418, X1\u00b7X2\uac00 \ub0a9\uc785\ud55c \ubcf4\ud5d8\ub8cc \ud569\uacc4 106,950\uc6d0(= \uc6d4 1,550\uc6d0 \u00d7 69\uac1c\uc6d4)\uc740 \ubc95\ub960\uc0c1 \uc6d0\uc778 \uc5c6\uc774 \uc218\ub839\ud55c \uae08\uc6d0\uc73c\ub85c\uc11c \ubc18\ud658\uc744 \uba85\ud558\uc600\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8\uacc4\uc57d\uc774 \ubb34\ud6a8\uc778 \uacbd\uc6b0 \ub0a9\uc785 \ubcf4\ud5d8\ub8cc \ubc18\ud658 \uccad\uad6c \uac00\ub2a5\uc131\uc744 \ubcf4\uc5ec\uc8fc\ub294 \uc0ac\ub840\uc785\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<div class=\"ref-case-item\">\n<div class=\"ref-case-num\">\uc11c\uc6b8\uc911\uc559\uc9c0\ubc29\ubc95\uc6d0 2014. 7. 8. \uc120\uace0 2013\ub09843894 \ud310\uacb0 <span class=\"verdict-win\">\uc6d0\uace0 \uc2b9\uc18c<\/span><\/div>\n<p>\uc774\ud574\uc0c1\ubc18\ud589\uc704\ub97c \ubd80\uc815\ud558\uac70\ub098 \uc608\uc678\ub97c \uc778\uc815\ud55c \ub4dc\ubb38 \uc0ac\ub840\uc785\ub2c8\ub2e4. \uc774 \uc0ac\uac74\uc5d0\uc11c\ub294 \ubd80\ubaa8\uac00 \uacc4\uc57d\uc790\ub85c\uc11c \uc790\uc2e0\ub4e4\uc774 \uc9c1\uc811 \uccb4\uacb0\ud55c \uac83\uc774\uace0 \ub300\ub9ac\uad8c\u00b7\ub3d9\uc758\uad8c\uc744 \ud589\uc0ac\ud55c \uac83\uc774 \uc544\ub2c8\uc5c8\uc73c\uba70, \ud53c\ubcf4\ud5d8\uc790\uac00 \uc131\ub144\uc774 \ub41c \uc774\ud6c4 \ubcf4\ud5d8\uae08\uc744 \uc218\ub839\ud558\uace0 \uc18c\ub97c \uc9c1\uc811 \uc81c\uae30\ud558\uc5ec \ud558\uc790\uac00 \ucd94\uc778\uc5d0 \uc758\ud574 \uce58\uc720\ub418\uc5c8\ub2e4\uace0 \ubcf4\uc558\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uc774\ub294 \uc0c1\ud574\ubcf4\ud5d8 \ubd80\ubd84\uc774 \uc8fc\ub41c \ub2f4\ubcf4\uc600\ub358 \uc0ac\uc548\uc758 \ud2b9\uc218\uc131\uc5d0 \uae30\uc778\ud55c \uac83\uc73c\ub85c, \uc0ac\ub9dd\ub2f4\ubcf4 \uc911\uc2ec \uc0ac\uac74\uc5d0\uc11c\ub294 \ub2e4\ub978 \ud310\ub2e8\uc774 \ub0b4\ub824\uc9c0\ub294 \uc810\uc5d0 \uc8fc\uc758\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p><\/p>\n<h2 id=\"sec-issue2\">\uc7c1\uc810 \u2461 \u2014 \uc0c1\ud574\ub2f4\ubcf4 \ubd80\ubd84\uc740 \uc720\ud6a8\ud55c\uac00? \ud63c\ud569\ubcf4\ud5d8\uacc4\uc57d\uc5d0\uc11c \ubb34\ud6a8\uc758 \ubc94\uc704<\/h2>\n<div style=\"position:relative;width:100%;padding-top:56.25%;margin:28px 0 36px;background:#0d0d0d;border-radius:12px;overflow:hidden;\"><iframe src=\"https:\/\/atlaw.kr\/kr-blog\/wp-content\/uploads\/sites\/2\/2026\/05\/atlas-minor-insurance-ch03.html\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;border:0;\" allow=\"fullscreen\" allowfullscreen loading=\"lazy\"><\/iframe><\/div>\n<p>\uc774 \uc0ac\uac74 \ubcf4\ud5d8\uc740 \uc0ac\ub9dd\ubcf4\ud5d8\uacfc \uc0c1\ud574\ubcf4\ud5d8\uc774 \ud63c\ud569\ub41c \uacc4\uc57d\uc774\uc5c8\uc2b5\ub2c8\ub2e4. \ubc95\uc6d0\uc740 \uc0ac\ub9dd\ub2f4\ubcf4\uc640 \uc0c1\ud574\ub2f4\ubcf4\uc758 \ud6a8\ub825\uc744 \ub2ec\ub9ac \ud310\ub2e8\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>\ubc95\uc6d0\uc758 \ud310\ub2e8<\/h3>\n<p>\uace8\uc808\uc9c4\ub2e8\ube44\u00b7\uc2e4\uc190\uc758\ub8cc\ube44 \ub4f1 \ub9dd\uc778\uc758 \uce58\ub8cc\ub97c \uc704\ud55c \uc0c1\ud574\ubcf4\ud5d8 \ubd80\ubd84\uc740 \ub9dd\uc778\uc758 \ubcf5\ub9ac\ub97c \uc704\ud55c \uac83\uc774\uc5b4\uc11c, \uc774\uc5d0 \ub300\ud558\uc5ec\uae4c\uc9c0 \uc774\ud574\uc0c1\ubc18\ud589\uc704\uac00 \uc131\ub9bd\ud558\uc5ec \ud2b9\ubcc4\ub300\ub9ac\uc778 \uc120\uc784\uc774 \ud544\uc694\ud558\ub2e4\uace0 \ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. X1\u00b7X2\uac00 \ubc95\uc815\ub300\ub9ac\uc778\uc73c\ub85c\uc11c \uc11c\uba85\ud55c \uc774\uc0c1 \uc774 \ubd80\ubd84\uc740 \uc720\ud6a8\ud558\uac8c \uc131\ub9bd\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub9dd\uc778\uc740 \uc774 \uc0ac\uac74 \uc0ac\uace0\ub85c \ud6c4\ub450\uace8, \uc6b0\uce21 \ud558\uc545\uace8, \ub291\uace8 \ub4f1\uc774 \uace8\uc808\ub418\uc5c8\uace0, \uc774\ub294 \ubcf4\ud5d8\uc5d0\uc11c \uc815\ud55c \ubcf4\ud5d8\uc0ac\uace0\uc5d0 \ud574\ub2f9\ud569\ub2c8\ub2e4. \ud53c\uace0 Y\uac00 \uace0\uc758 \uc790\uc0b4 \uba74\ucc45\uc744 \uc8fc\uc7a5\ud558\uc600\uc73c\ub098 \uc544\ub798 \uc7c1\uc810 \u2463\uc5d0\uc11c \ubcf4\ub4ef\uc774 \uc774\ub294 \ubc1b\uc544\ub4e4\uc5ec\uc9c0\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c Y\ub294 \uace8\uc808\uc9c4\ub2e8\ube44 \ud569\uacc4 80\ub9cc \uc6d0\uc744 X1\u00b7X2\uc5d0\uac8c \uc0c1\uc18d\uc9c0\ubd84\uc5d0 \ub530\ub77c \uac01 40\ub9cc \uc6d0\uc529 \uc9c0\uae09\ud560 \uc758\ubb34\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<div class=\"point-box\">\n<div class=\"point-box-title\">\uc2e4\ubb34\uc801 \ud568\uc758<\/div>\n<ul>\n<li>\ubbf8\uc131\ub144\uc790 \ud53c\ubcf4\ud5d8\uc790 \uc0ac\ub9dd\ubcf4\ud5d8\uc774 \ubb34\ud6a8\uc778 \uacbd\uc6b0\uc5d0\ub3c4 <strong>\uc0c1\ud574\ub2f4\ubcf4 \ubd80\ubd84(\uace8\uc808\uc9c4\ub2e8\ube44\u00b7\uc2e4\uc190\uc758\ub8cc\ube44\u00b7\uace0\ub3c4\ud6c4\uc720\uc7a5\ud574 \ub4f1)\uc740 \ubcc4\ub3c4\ub85c \uc720\ud6a8<\/strong>\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\ubcf4\ud5d8\uacc4\uc57d \uc804\uccb4\uac00 \uc544\ub2c8\ub77c \ub2f4\ubcf4 \uad6c\uc870\ub97c \ud56d\ubaa9\ubcc4\ub85c \ubd84\ub9ac\ud558\uc5ec \ud6a8\ub825\uc744 \uac80\ud1a0\ud558\uc5ec\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\ubb34\ud6a8 \ud310\uc815\uc744 \ubc1b\uc740 \uc0ac\ub9dd\ub2f4\ubcf4 \ubd80\ubd84\uc5d0 \ub300\ud558\uc5ec\ub294 \ub0a9\uc785 \ubcf4\ud5d8\ub8cc \ubc18\ud658 \uccad\uad6c\ub97c \ubcc4\ub3c4\ub85c \uac80\ud1a0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul><\/div>\n<p><\/p>\n<h2 id=\"sec-issue3\">\uc7c1\uc810 \u2462 \u2014 \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc5d0 \ub300\ud55c \uc124\uba85\uc758\ubb34 : \uc804\ubb38\ubcf4\ud5d8\uacc4\uc57d\uc790\ub77c\ub3c4 \uba74\uc81c\ub418\uc9c0 \uc54a\ub294 \uacbd\uc6b0\uac00 \uc788\ub2e4<\/h2>\n<div style=\"position:relative;width:100%;padding-top:56.25%;margin:28px 0 36px;background:#0d0d0d;border-radius:12px;overflow:hidden;\"><iframe src=\"https:\/\/atlaw.kr\/kr-blog\/wp-content\/uploads\/sites\/2\/2026\/05\/atlas-minor-insurance-ch04.html\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;border:0;\" allow=\"fullscreen\" allowfullscreen loading=\"lazy\"><\/iframe><\/div>\n<p>Y\ub294 X1\uc774 \ubcf4\ud5d8\uc124\uacc4\uc0ac\ub85c\uc11c \uc804\ubb38\ubcf4\ud5d8\uacc4\uc57d\uc790\uc5d0 \ud574\ub2f9\ud558\ubbc0\ub85c \uc124\uba85\uc758\ubb34\uc758 \uc0c1\ub300\ubc29\uc774 \uc544\ub2c8\ub77c\uace0 \uc8fc\uc7a5\ud558\uc600\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ubc95\uc6d0\uc740 \uc774 \uc0ac\uac74\uc5d0\uc11c \uc124\uba85\uc758\ubb34 \uc704\ubc18\uc744 \uc778\uc815\ud558\uc5ec \uc190\ud574\ubc30\uc0c1\ucc45\uc784\uc744 \ubd80\uacfc\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>\uc804\ubb38\ubcf4\ud5d8\uacc4\uc57d\uc790\uc640 \uc124\uba85\uc758\ubb34 \u2014 \uc6d0\uce59<\/h3>\n<p>\ubcf4\ud5d8\uc5c5\ubc95\uc740 \ubcf4\ud5d8\uacc4\uc57d\uc5d0 \uad00\ud55c \uc804\ubb38\uc131\u00b7\uc790\uc0b0\uaddc\ubaa8 \ub4f1\uc5d0 \ube44\ucd94\uc5b4 \uacc4\uc57d \ub0b4\uc6a9\uc744 \uc774\ud574\ud558\uace0 \uc774\ud589\ud560 \ub2a5\ub825\uc774 \uc788\ub294 \uc790\ub97c &#8216;\uc804\ubb38\ubcf4\ud5d8\uacc4\uc57d\uc790&#8217;\ub85c \uc815\uc758\ud558\uace0 \uc788\uc73c\uba70(\ubcf4\ud5d8\uc5c5\ubc95 \uc81c2\uc870 \uc81c19\ud638), \ubcf4\ud5d8\ud68c\uc0ac\uc758 \uc124\uba85\uc758\ubb34\ub294 \uc804\ubb38\ubcf4\ud5d8\uacc4\uc57d\uc790\uac00 \uc544\ub2cc \uc77c\ubc18\ubcf4\ud5d8\uacc4\uc57d\uc790\uc5d0\uac8c\ub9cc \uc801\uc6a9\ub429\ub2c8\ub2e4(\ubcf4\ud5d8\uc5c5\ubc95 \uc81c95\uc870\uc7582). \ubcf4\ud5d8\uc124\uacc4\uc0ac\ub294 \uc804\ubb38\ubcf4\ud5d8\uacc4\uc57d\uc790\uc5d0 \ud574\ub2f9\ud569\ub2c8\ub2e4(\ubcf4\ud5d8\uc5c5\ubc95 \uc2dc\ud589\ub839 \uc81c6\uc870\uc7582 \uc81c3\ud56d \uc81c2\ud638).<\/p>\n<h3>\uc774 \uc0ac\uac74\uc5d0\uc11c \uc124\uba85\uc758\ubb34 \uc704\ubc18\uc774 \uc778\uc815\ub41c \uc774\uc720<\/h3>\n<p>\ubc95\uc6d0\uc740 \ud2b9\ubcc4\ub300\ub9ac\uc778 \uc120\uc784 \uc694\uac74\uc5d0 \uad00\ud55c \uc124\uba85 \ub204\ub77d\uc774 \uc77c\ubc18\uc801\uc778 \uc57d\uad00 \ub0b4\uc6a9 \uc124\uba85\uacfc\ub294 \ub2e4\ub978 \ucc28\uc6d0\uc758 \ubb38\uc81c\ub77c\uace0 \ubcf4\uc558\uc2b5\ub2c8\ub2e4. \uadf8 \uad6c\uccb4\uc801 \uadfc\uac70\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uc774 \uc0ac\uac74 \ubcf4\ud5d8\uccad\uc57d\uc11c \uc11c\uba85\ub0a0\uc778\ub780\uc5d0\ub294 &#8216;\uacc4\uc57d\uc790\ub294 \ud53c\ubcf4\ud5d8\uc790\uc758 \ub3d9\uc758\ub97c \ubc1b\uc544 \uccad\uc57d\ud588\ub2e4&#8217;\ub294 \ub0b4\uc6a9\ub9cc \uc788\uc744 \ubfd0, \ud53c\ubcf4\ud5d8\uc790\uac00 \ubbf8\uc131\ub144\uc790\uc778 \uacbd\uc6b0 \ud2b9\ubcc4\ub300\ub9ac\uc778 \uc120\uc784\uc774 \ud544\uc694\ud558\ub2e4\ub294 \uc124\uba85\uc774 \uc804\ud600 \uc5c6\uc5c8\uc2b5\ub2c8\ub2e4.<\/li>\n<li>Y\ub294 \ubc95\uc6d0\uc758 \uc11d\uba85\uc900\ube44\uba85\ub839\uc5d0 \ub300\ud558\uc5ec &#8220;\ubbf8\uc131\ub144\uc790 \ud53c\ubcf4\ud5d8\uc790 \uc0ac\ub9dd\ubcf4\ud5d8\uc5d0\uc11c \ud2b9\ubcc4\ub300\ub9ac\uc778 \uc120\uc784\uc5d0 \uad00\ud574 \ubcf4\ud5d8\ubaa8\uc9d1\uc778\uc5d0\uac8c \uad50\uc721\ud574 \uc654\ub294\uc9c0&#8221;\uc5d0 \uad00\ud55c \ub2f5\ubcc0\uc744 \ubd88\uc774\uc775\uc744 \uac10\uc218\ud558\uace0 \uac70\ubd80\ud558\uc600\uc2b5\ub2c8\ub2e4. \uad50\uc721 \uad00\ud589\uc758 \uc874\uc7ac\ub97c \uc8fc\uc7a5\u00b7\uc99d\uba85\ud558\uc9c0 \ubabb\ud55c \uac83\uc785\ub2c8\ub2e4.<\/li>\n<li>X1\uc774 \uac00\uc785\ud55c \ub2e4\ub978 \ubcf4\ud5d8\ud68c\uc0ac\uc758 \uccad\uc57d\uc11c\ub4e4\ub3c4 \ubaa8\ub450 \ubc95\uc815\ub300\ub9ac\uc778 \uc11c\uba85\ub9cc\uc73c\ub85c \uac00\uc785\uc774 \uac00\ub2a5\ud55c \uac83\ucc98\ub7fc \uae30\uc7ac\ub418\uc5b4 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc5c5\uacc4 \uc804\ubc18\uc5d0\uc11c \uc774 \ubd80\ubd84\uc774 \uc81c\ub300\ub85c \uc548\ub0b4\ub418\uc9c0 \uc54a\uc558\uc74c\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3>\uc124\uba85\uc758\ubb34 \uc704\ubc18\uc758 \uacbd\uc6b0 \ubcf4\ud5d8\uae08\uc5d0 \uc900\ud558\ub294 \uc190\ud574\ubc30\uc0c1\uc744 \uc778\uc815\ud560 \uc218 \uc788\ub2e4<\/h3>\n<p>\ub300\ubc95\uc6d0\uc740 \uc774\ubbf8 1999\ub144, \uc124\uba85\uc758\ubb34 \uc704\ubc18\uc73c\ub85c \ubcf4\ud5d8\uacc4\uc57d\uc774 \ubb34\ud6a8\uac00 \ub41c \uacbd\uc6b0 \ubcf4\ud5d8\ud68c\uc0ac\uac00 \ubcf4\ud5d8\uae08 \uc0c1\ub2f9\uc561\uc744 \uc190\ud574\ubc30\uc0c1\uc73c\ub85c \uc9c0\uae09\ud560 \uc758\ubb34\uac00 \uc788\ub2e4\ub294 \uc6d0\uce59\uc744 \ud655\ub9bd\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<div class=\"ref-cases\">\n<div class=\"ref-cases-title\">\uad00\ub828 \ud310\ub840 \u2014 \uc124\uba85\uc758\ubb34 \uc704\ubc18\uacfc \uc190\ud574\ubc30\uc0c1 \ubc94\uc704<\/div>\n<div class=\"ref-case-item\">\n<div class=\"ref-case-num\">\ub300\ubc95\uc6d0 1999. 4. 27. \uc120\uace0 98\ub2e454830, 54847 \ud310\uacb0 \ucc44\ubb34\ubd80\uc874\uc7ac\ud655\uc778\u00b7\uc9c0\uc5f0\uc190\ud574\uae08<\/div>\n<p>\ud0c0\uc778\uc758 \uc0ac\ub9dd\uc744 \ubcf4\ud5d8\uc0ac\uace0\ub85c \ud558\ub294 \ubcf4\ud5d8\uacc4\uc57d\uc5d0\uc11c \ubcf4\ud5d8\uacc4\uc57d \uccb4\uacb0 \uc2dc \ud53c\ubcf4\ud5d8\uc790\uc778 \ud0c0\uc778\uc758 \uc11c\uba74\uc5d0 \uc758\ud55c \ub3d9\uc758\ub97c \uc5bb\uc9c0 \uc544\ub2c8\ud558\uba74 \uc0c1\ubc95 \uc81c731\uc870 \uc81c1\ud56d\uc5d0 \uc704\ubc30\ub418\uc5b4 \ubcf4\ud5d8\uacc4\uc57d\uc774 \ubb34\ud6a8\uac00 \ub418\ubbc0\ub85c, \ubcf4\ud5d8\ubaa8\uc9d1\uc778\uc740 \ubcf4\ud5d8\uacc4\uc57d\uc790\uc5d0\uac8c \ud53c\ubcf4\ud5d8\uc790\uc758 \uc11c\uba74\ub3d9\uc758 \uc5ec\ubd80\uc5d0 \ub300\ud558\uc5ec \uad6c\uccb4\uc801\uc774\uace0 \uc0c1\uc138\ud558\uac8c \uc124\uba85\ud558\uc5ec \ubcf4\ud5d8\uacc4\uc57d\uc790\ub85c \ud558\uc5ec\uae08 \ud53c\ubcf4\ud5d8\uc790\uc758 \uc11c\uba74\ub3d9\uc758\ub97c \ubc1b\uc744 \uae30\ud68c\ub97c \uc8fc\uc5b4 \uc720\ud6a8\ud55c \ubcf4\ud5d8\uacc4\uc57d\uc744 \uccb4\uacb0\ud558\ub3c4\ub85d \uc870\uce58\ud560 \uc8fc\uc758\uc758\ubb34\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8\ubaa8\uc9d1\uc778\uc774 \uc774\ub7ec\ud55c \uc124\uba85\uc758\ubb34\ub97c \uc774\ud589\ud558\uc9c0 \uc544\ub2c8\ud558\uc5ec \ubcf4\ud5d8\uacc4\uc57d\uc774 \ubb34\ud6a8\uac00 \ub418\uace0 \ubcf4\ud5d8\uacc4\uc57d\uc790\uac00 \ubcf4\ud5d8\uae08\uc744 \uc9c0\uae09\ubc1b\uc9c0 \ubabb\ud558\uac8c \ub41c \uacbd\uc6b0, \ubcf4\ud5d8\ud68c\uc0ac\ub294 \ubcf4\ud5d8\uacc4\uc57d\uc790\uc5d0\uac8c \uadf8 \uc190\ud574\ub97c \ubc30\uc0c1\ud560 \uc758\ubb34\uac00 \uc788\uace0, \uadf8 \uc190\ud574\uc758 \ubc94\uc704\ub294 \ubcf4\ud5d8\uae08 \uc0c1\ub2f9\uc561\uc774\ub77c\uace0 \ud310\uc2dc\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>\ubc95\uc6d0\uc740 X1\uc5d0 \ub300\ud55c Y\uc758 \ucc45\uc784\uc744 <strong>70%<\/strong>\ub85c \uc81c\ud55c\ud558\uc600\uc2b5\ub2c8\ub2e4. X1\ub3c4 \ubcf4\ud5d8\uc124\uacc4\uc0ac\ub85c\uc11c \uac00\uc785 \uc694\uac74\uc744 \uc2a4\uc2a4\ub85c \ud655\uc778\ud560 \uc8fc\uc758\uc758\ubb34\uac00 \uc788\uc5c8\uc74c\uc5d0\ub3c4 \uc774\ub97c \uac8c\uc744\ub9ac\ud558\uc600\uace0, X1 \ubcf8\uc778\ub3c4 30%\uc758 \uacfc\uc2e4\uc744 \uc790\uc778\ud558\uc600\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub530\ub77c\uc11c Y\ub294 X1\uc5d0\uac8c \uc0ac\ub9dd\ubcf4\ud5d8\uae08 \uc0c1\ub2f9\uc561 2\uc5b5 \uc6d0\uc758 70%\uc778 <strong>1\uc5b5 4,000\ub9cc \uc6d0<\/strong> \ubc0f \uc774\uc5d0 \ub300\ud55c \uc9c0\uc5f0\uc190\ud574\uae08\uc744 \uc9c0\uae09\ud558\uc5ec\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<div class=\"ref-cases\">\n<div class=\"ref-cases-title\">\uad00\ub828 \ud310\ub840 \u2014 \uc804\ubb38\ubcf4\ud5d8\uacc4\uc57d\uc790\uc640 \uc124\uba85\uc758\ubb34 \uc6d0\uce59 (\uba74\uc81c \uc778\uc815 \uc0ac\ub840)<\/div>\n<div class=\"ref-case-item\">\n<div class=\"ref-case-num\">\uccad\uc8fc\uc9c0\ubc29\ubc95\uc6d0 2024. 2. 21. \uc120\uace0 2021\uac00\ub2e859734 \ud310\uacb0 <span class=\"verdict-lose\">\uc6d0\uace0 \ud328\uc18c<\/span><\/div>\n<p>Y \ubcf4\ud5d8\ud68c\uc0ac\uc758 \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc600\ub358 X\uac00 \uc790\uc2e0\uc744 \ubcf4\ud5d8\uacc4\uc57d\uc790\u00b7\ud53c\ubcf4\ud5d8\uc790\ub85c \uac00\uc785\ud55c \uc554\ubcf4\ud5d8\uc5d0\uc11c, \ubc95\uc6d0\uc740 X\uac00 \uc804\ubb38\ubcf4\ud5d8\uacc4\uc57d\uc790\uc5d0 \ud574\ub2f9\ud558\ubbc0\ub85c Y\ub294 \uc6d0\ubc1c\ubd80\uc704 \ubd84\ub958\uae30\uc900\uc5d0 \ub300\ud55c \uc124\uba85\uc758\ubb34\ub97c \ubd80\ub2f4\ud558\uc9c0 \uc54a\ub294\ub2e4\uace0 \ud310\uc2dc\ud558\uc600\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc5d0 \ub300\ud55c \uc124\uba85\uc758\ubb34 \uba74\uc81c \uc6d0\uce59\uc774 \uc801\uc6a9\ub41c \uc804\ud615\uc801 \uc0ac\ub840\uc785\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<div class=\"ref-case-item\">\n<div class=\"ref-case-num\">\uc804\uc8fc\uc9c0\ubc29\ubc95\uc6d0 2024. 10. 17. \uc120\uace0 2023\ub09817775 \ud310\uacb0 <span class=\"verdict-lose\">\uc6d0\uace0 \ud56d\uc18c \uae30\uac01<\/span><\/div>\n<p>\ubcf4\ud5d8\uc124\uacc4\uc0ac\uc778 X\uac00 \uc2a4\uc2a4\ub85c \uc124\uacc4\ud558\uc5ec \uac00\uc785\ud55c \ubcf4\ud5d8\uacc4\uc57d\uc5d0\uc11c, \ubc95\uc6d0\uc740 X\uac00 \uc124\uba85\uc758\ubb34\uc758 \uc8fc\uccb4(\ubaa8\uc9d1\uc778)\uc640 \ub300\uc0c1\uc790(\ubcf4\ud5d8\uacc4\uc57d\uc790) \uc9c0\uc704\ub97c \ub3d9\uc2dc\uc5d0 \uac00\uc9c0\ubbc0\ub85c \ubcf4\ud5d8\uc57d\uad00 \ub0b4\uc6a9\uc744 \uc2a4\uc2a4\ub85c \uc219\uc9c0\ud558\uc600\uc744 \uac83\uc73c\ub85c \ubcf4\uc544 \uc124\uba85\uc758\ubb34\ub97c \uba74\uc81c\ud558\uc600\uc2b5\ub2c8\ub2e4. \ucc3d\uc6d0 \ud310\uacb0\uacfc \ube44\uad50\ud560 \ub54c, \uc774 \ud310\uacb0\ub4e4\uc740 &#8216;\uc57d\uad00 \ub0b4\uc6a9&#8217;\uc5d0 \uad00\ud55c \uc124\uba85\uc758\ubb34 \ubd84\uc7c1\uc778 \ubc18\uba74 \ucc3d\uc6d0 \ud310\uacb0\uc740 &#8216;\uacc4\uc57d \uc720\ud6a8 \uc694\uac74(\ud2b9\ubcc4\ub300\ub9ac\uc778 \uc120\uc784)&#8217;\uc774\ub77c\ub294 \ubcc4\uac1c \ucc28\uc6d0\uc758 \uc124\uba85 \ub204\ub77d \ubb38\uc81c\uc600\ub2e4\ub294 \uc810\uc5d0\uc11c \uad6c\ubcc4\ub429\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<div class=\"ref-case-item\">\n<div class=\"ref-case-num\">\uc11c\uc6b8\uc911\uc559\uc9c0\ubc29\ubc95\uc6d0 2020. 9. 8. \uc120\uace0 2019\ub09847997 \ud310\uacb0 <span class=\"verdict-lose\">\uc6d0\uace0 \ud56d\uc18c \uae30\uac01<\/span><\/div>\n<p>\ubcf4\ud5d8\uacc4\uc57d\uc790 \uacb8 \ud53c\ubcf4\ud5d8\uc790\uc778 X\uac00 \uacc4\uc57d \ub2f9\uc2dc \ud53c\uace0\uc758 \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc600\uc73c\ubbc0\ub85c, \uba85\uc2dc\u00b7\uc124\uba85\uc758\ubb34\ub97c \uc774\ud589\ud558\uc5ec\uc57c \ud558\ub294 \uc790\uc758 \uc9c0\uc704\uc5d0\uc11c \ubcf4\ud5d8\uc57d\uad00\uc758 \ub0b4\uc6a9\uc744 \ucda9\ubd84\ud788 \uc798 \uc54c\uace0 \uc788\uc5c8\ub2e4\uace0 \ubcf4\uc544 \uc124\uba85\uc758\ubb34\uac00 \uba74\uc81c\ub41c\ub2e4\uace0 \ud310\uc2dc\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p><\/p>\n<h2 id=\"sec-issue4\">\uc7c1\uc810 \u2463 \u2014 \uace0\uc758 \uc790\uc0b4 \uba74\ucc45\uacfc \uc2ec\uc2e0\uc0c1\uc2e4 \uc608\uc678 : \uc6b0\uc6b8\uc99d\u00b7ADHD\ub85c \uc778\ud55c \uc790\uc0b4\uc740 \uba74\ucc45\uc5d0\uc11c \ubc97\uc5b4\ub098\ub294\uac00?<\/h2>\n<div style=\"position:relative;width:100%;padding-top:56.25%;margin:28px 0 36px;background:#0d0d0d;border-radius:12px;overflow:hidden;\"><iframe src=\"https:\/\/atlaw.kr\/kr-blog\/wp-content\/uploads\/sites\/2\/2026\/05\/atlas-minor-insurance-ch05.html\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;border:0;\" allow=\"fullscreen\" allowfullscreen loading=\"lazy\"><\/iframe><\/div>\n<p>Y\ub294 \uc774 \uc0ac\uac74 \uc0ac\uace0\uac00 \uace0\uc758 \uc790\uc0b4\ub85c\uc11c \ubcf4\ud5d8\uc57d\uad00 \uba74\ucc45\uc0ac\uc720\uc5d0 \ud574\ub2f9\ud55c\ub2e4\uace0 \uc8fc\uc7a5\ud558\uc600\uc2b5\ub2c8\ub2e4. \ubc95\uc6d0\uc740 \uc0c1\ud574\ub2f4\ubcf4(\uace8\uc808\uc9c4\ub2e8\ube44) \ubd80\ubd84\uc5d0\uc11c \uc774\ub97c \ubc1b\uc544\ub4e4\uc774\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>\uace0\uc758 \uc790\uc0b4 \uba74\ucc45\uc758 \ubc95\ub9ac<\/h3>\n<p>\uc0ac\ub9dd\uc744 \ubcf4\ud5d8\uc0ac\uace0\ub85c \ud558\ub294 \ubcf4\ud5d8\uacc4\uc57d\uc5d0\uc11c \uc790\uc0b4\uc774 \uba74\ucc45\uc0ac\uc720\uc778 \uacbd\uc6b0, \uadf8 \uc790\uc0b4\uc740 \uc0ac\ub9dd\uc790\uac00 \uc790\uae30\uc758 \uc0dd\uba85\uc744 \ub04a\ub294\ub2e4\ub294 \uac83\uc744 \uc758\uc2dd\ud558\uace0 \uc758\ub3c4\uc801\uc73c\ub85c \uc0ac\ub9dd\uc758 \uacb0\uacfc\ub97c \ubc1c\uc0dd\ucf00 \ud55c \ud589\uc704\ub97c \uc758\ubbf8\ud569\ub2c8\ub2e4. \ud53c\ubcf4\ud5d8\uc790\uac00 <strong>\uc815\uc2e0\uc9c8\ud658 \ub4f1\uc73c\ub85c \uc790\uc720\ub85c\uc6b4 \uc758\uc0ac\uacb0\uc815\uc744 \ud560 \uc218 \uc5c6\ub294 \uc0c1\ud0dc\uc5d0\uc11c \uc0ac\ub9dd\uc758 \uacb0\uacfc\ub97c \ubc1c\uc0dd\ucf00 \ud55c \uacbd\uc6b0<\/strong>\ub294 \uc774\uc5d0 \ud3ec\ud568\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4(\ub300\ubc95\uc6d0 2015. 6. 23. \uc120\uace0 2015\ub2e45378 \ud310\uacb0, \ub300\ubc95\uc6d0 2024. 5. 9. \uc120\uace0 2021\ub2e4297529 \ud310\uacb0 \ub4f1 \ucc38\uc870).<\/p>\n<p>\uc790\uc720\ub85c\uc6b4 \uc758\uc0ac\uacb0\uc815 \ubd88\uac00 \uc0c1\ud0dc\uc600\ub294\uc9c0\ub294 \u2460 \ub098\uc774\u00b7\uc131\ud589, \u2461 \uc2e0\uccb4\uc801\u00b7\uc815\uc2e0\uc801 \uc2ec\ub9ac\uc0c1\ud669, \u2462 \uc815\uc2e0\uc9c8\ud658\uc758 \ubc1c\ubcd1 \uc2dc\uae30\u00b7\uc9c4\ud589 \uacbd\uacfc\u00b7\uc815\ub3c4, \u2463 \uc790\uc0b4\uc5d0 \uc988\uc74c\ud55c \uad6c\uccb4\uc801 \uc99d\uc0c1, \u2464 \uc8fc\uc704 \uc0c1\ud669\uacfc \uc790\uc0b4 \ubb34\ub835 \ud589\ud0dc, \u2465 \uc790\uc0b4\ud589\uc704\uc758 \uc2dc\uae30\u00b7\uc7a5\uc18c\u00b7\ubc29\ubc95\u00b7\ud0dc\uc591 \ub4f1\uc744 \uc885\ud569\ud558\uc5ec \ud310\ub2e8\ud569\ub2c8\ub2e4.<\/p>\n<h3>\uc774 \uc0ac\uac74\uc5d0\uc11c \uc2ec\uc2e0\uc0c1\uc2e4 \uc608\uc678\uac00 \uc778\uc815\ub41c \uc774\uc720<\/h3>\n<p>B\ubcd1\uc6d0 \uac10\uc815\uc758\ub294 ADHD \ud658\uc790\ub294 \uadf9\uc2ec\ud55c \uc2a4\ud2b8\ub808\uc2a4 \uc0c1\ud669\uc5d0\uc11c \uacc4\ud68d \uc5c6\uc774 \uc989\uac01\uc801\uc778 \uc790\uc0b4 \uc2dc\ub3c4\ub97c \ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uace0, \ub9dd\uc778\uc758 \uacbd\uc6b0 \uc7a5\uae30\uac04\uc758 \uc7ac\ubc1c\uc131 \uc6b0\uc6b8\uc7a5\uc560\ub85c \uc0ac\uace0\u00b7\ud310\ub2e8\ub2a5\ub825\uc774 \uc81c\ud55c\ub418\uace0 ADHD\ub85c \uc778\ud55c \uac10\uc815\uc870\uc808\u00b7\ucda9\ub3d9\ud1b5\uc81c\uc5d0 \uc5b4\ub824\uc6c0\uc774 \uc788\uc5c8\uc73c\ubbc0\ub85c \uc815\uc0c1\uc801\uc778 \uc131\uc778\uc5d0 \ube44\ud558\uc5ec \uc790\uc720\ub85c\uc6b4 \uc758\uc0ac\uacb0\uc815\uc744 \ud560 \uc218 \uc5c6\ub294 \uc0c1\ud0dc\uc5d0\uc11c \uc790\uc0b4\uc5d0 \uc774\ub974\ub800\uc744 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4\uace0 \uc9c4\ub2e8\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc720\uc11c \ub0b4\uc6a9 \uc5ed\uc2dc \uc815\uc2e0\uc9c8\ud658\uc5d0 \uc758\ud574 \uc65c\uace1\ub41c \uc0ac\uace0\uc758 \ubc18\uc601\uc77c \uac00\ub2a5\uc131\uc774 \ub192\ub2e4\uace0 \ubcf4\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubc95\uc6d0\uc740 ADHD \uc57d \ubcf5\uc6a9 \uc911\ub2e8 \uc2dc\uae30(2023. 8.)\uc640 \uc0ac\ub9dd \uc2dc\uae30(2023. 10.)\uac00 \uacb9\uce5c\ub2e4\ub294 \uc810, \uc720\uc11c\uc5d0 \uae30\uc7ac\ub41c \ub0b4\uc6a9(&#8220;\ub354 \uc774\uc0c1 \ubd80\ubaa8\ub2d8\uaed8 \ubabb\ud560 \uc9d3\uc744 \ud558\uace0 \uc2f6\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4&#8221;, &#8220;\uc9d0\uc774\ub77c\ub3c4 \ub35c\uc5b4\ub4dc\ub9b4 \uc218 \uc788\uac8c \ud574\ub4dc\ub9ac\ub294 \uac83\uc774 \uc88b\uaca0\uc2b5\ub2c8\ub2e4&#8221;)\uc774 ADHD\ub85c \uc778\ud55c \uac10\uc815\uc870\uc808 \uc5b4\ub824\uc6c0 \uc0c1\ud0dc\ub97c \ub4b7\ubc1b\uce68\ud55c\ub2e4\ub294 \uc810\uc744 \ud568\uaed8 \uace0\ub824\ud558\uc5ec \uc2ec\uc2e0\uc0c1\uc2e4 \uc608\uc678\ub97c \uc778\uc815\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\ub9cc \uc774 \ud310\uacb0\uc740 \uc720\uc11c\uac00 \uc874\uc7ac\ud558\uace0 \uc790\uc0b4 \uc2dc\ub3c4 \uc0ac\uc2e4\uc774 \uba85\ud655\ud568\uc5d0\ub3c4 \uc2ec\uc2e0\uc0c1\uc2e4 \uc608\uc678\ub97c \uc778\uc815\ud558\uc600\ub2e4\ub294 \uc810\uc5d0\uc11c \uc790\uc0b4 \uba74\ucc45 \uad00\ub828 \uae30\uc874 \ud310\ub840\ub4e4\uacfc\ub294 \ub2e4\uc18c \ub2e4\ub978 \uc785\uc7a5\uc744 \ucde8\ud558\uace0 \uc788\uc5b4, \uc0c1\uae09\uc2ec\uc758 \ud310\ub2e8\uc744 \uc9c0\ucf1c\ubcf4\uc544\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<div class=\"ref-cases\">\n<div class=\"ref-cases-title\">\uad00\ub828 \ud310\ub840 \u2014 \uc2ec\uc2e0\uc0c1\uc2e4 \uc608\uc678 \ubd80\uc815 \uc0ac\ub840 (\uba74\ucc45 \uc778\uc815)<\/div>\n<div class=\"ref-case-item\">\n<div class=\"ref-case-num\">\ub300\uad6c\uc9c0\ubc29\ubc95\uc6d0 2021. 12. 9. \uc120\uace0 2021\ub098305176 \ud310\uacb0 <span class=\"verdict-lose\">\uc720\uc871 \ud328\uc18c<\/span><\/div>\n<p>AIDS \uc9c4\ub2e8 \ud6c4 \uc6b0\uc6b8\uc99d \uce58\ub8cc\ub97c \ubc1b\ub358 \ub9dd\uc778\uc774 \ud654\uc7a5\uc2e4 \uc218\uac74\uac78\uc774 \ubd09\uc5d0 \ud5c8\ub9ac\ub760\ub97c \uac78\uc5b4 \uc790\uc0b4\ud558\uc600\uc2b5\ub2c8\ub2e4. \ub2f4\ub2f9\uc758\uc758 &#8220;\uc790\uc720\ub85c\uc6b4 \uc758\uc0ac\uacb0\uc815 \ubd88\uac00 \uc0c1\ud0dc&#8221; \uc9c4\ub2e8\uc11c\uac00 \uc788\uc5c8\uc74c\uc5d0\ub3c4 \ubc95\uc6d0\uc740 \uba74\ucc45 \uc608\uc678\ub97c \ubd80\uc815\ud558\uc600\uc2b5\ub2c8\ub2e4. \ud575\uc2ec \uadfc\uac70\ub294 \u2460 \uc9c4\ub8cc\uae30\ub85d\uc0c1 \ud310\ub2e8\ub825\u00b7\uc778\uc9c0 \uae30\ub2a5\uc774 \uc815\uc0c1 \ud310\uc815, \u2461 \uacbd\uc81c\u00b7\uac00\uc871 \ub4f1 \ubcf5\ud569\uc801 \uc790\uc0b4 \ub3d9\uae30, \u2462 \uc790\uc0b4 \ubc29\ubc95\uc774 \uadf9\ub3c4\uc758 \ucda9\ub3d9\uc774 \uc544\ub2cc \uad6c\uccb4\uc801 \ud1b5\uc81c\ub825\uc744 \uac16\uace0 \uc2e4\ud589\ub41c \uc810\uc774\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<div class=\"ref-case-item\">\n<div class=\"ref-case-num\">\uad11\uc8fc\uace0\ub4f1\ubc95\uc6d0 2019. 4. 3. \uc120\uace0 2018\ub09824430 \ud310\uacb0 <span class=\"verdict-lose\">\uc720\uc871 \ud328\uc18c<\/span><\/div>\n<p>\uc911\ub4f1\ub3c4 \uc6b0\uc6b8\uc99d \uce58\ub8cc \uc911 \uc220\uc5d0 \ub9cc\ucde8\ud558\uc5ec \uc5f0\uc778\uacfc \ub2e4\ud230 \ud6c4 \uc790\uc0b4\ud55c \uc0ac\uc548\uc785\ub2c8\ub2e4. \ucda9\ub3d9\uc801\uc73c\ub85c \ubcf4\uc774\uc9c0\ub9cc \uc0ac\uace0 \uc9c1\uc804 \uc9c0\uc778\ub4e4\uc5d0\uac8c \uc790\uc0b4 \uc554\uc2dc \ubb38\uc790\ub97c \ubcf4\ub0b8 \ub4a4 \uce58\ubc00\ud558\uac8c \uc900\ube44\ud558\uc5ec \uc2e4\ud589\ud55c \uc810\uc774 \ud655\uc778\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ubc95\uc6d0\uc740 \uc6b0\uc6b8\uc99d\u00b7\ub9cc\ucde8 \uc0c1\ud0dc\uac00 \uc778\uc815\ub418\ub354\ub77c\ub3c4 \uc790\uc0b4 \uc900\ube44 \uacfc\uc815\uc758 \uce58\ubc00\ud568\uc774 \uc788\ub2e4\uba74 \uc2ec\uc2e0\uc0c1\uc2e4 \uc608\uc678\uac00 \ubd80\uc815\ub420 \uc218 \uc788\ub2e4\uace0 \ud310\uc2dc\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<div class=\"ref-case-item\">\n<div class=\"ref-case-num\">\uc11c\uc6b8\uc911\uc559\uc9c0\ubc29\ubc95\uc6d0 2018. 8. 14. \uc120\uace0 2017\uac00\ub2e814008 \ud310\uacb0 <span class=\"verdict-lose\">\uc720\uc871 \ud328\uc18c<\/span><\/div>\n<p>\uc2b9\uc6a9\ucc28 \uc548\uc5d0\uc11c \ubc88\uac1c\ud0c4\uc744 \ud53c\uc6cc \uc790\uc0b4\ud55c \uc0ac\uc548\uc785\ub2c8\ub2e4. \uc790\uc0b4 \uc218\ub144 \uc804 \uc6b0\uc6b8\uc99d \uce58\ub8cc \uae30\ub85d\uc740 \uc788\uc5c8\uc73c\ub098 \uc790\uc0b4 \uc9c1\uc804 4~5\ub144\uac04 \uc815\uc2e0\uac74\uac15 \uc9c4\ub8cc \uae30\ub85d\uc774 \uc5c6\uc5c8\uc2b5\ub2c8\ub2e4. \ubc95\uc6d0\uc740 \uba74\ucc45\uc774 \uc778\uc815\ub41c \uc774\ud6c4 \uc2ec\uc2e0\uc0c1\uc2e4 \uc608\uc678 \uc0ac\uc720\ub294 \ubcf4\ud5d8\uae08 \uccad\uad6c\uc790 \uce21\uc774 \uc99d\uba85\ud558\uc5ec\uc57c \ud558\ub294\ub370, \uac10\uc815\uc758\ub3c4 &#8220;\ud310\ub2e8 \uace4\ub780&#8221;\uc73c\ub85c \ud68c\uc2e0\ud558\uc600\uc73c\ubbc0\ub85c \uc785\uc99d\uc5d0 \uc2e4\ud328\ud558\uc600\ub2e4\uace0 \ubcf4\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<div class=\"ref-case-item\">\n<div class=\"ref-case-num\">\uc11c\uc6b8\uc911\uc559\uc9c0\ubc29\ubc95\uc6d0 2023. 7. 4. \uc120\uace0 2022\uac00\ub2e85232027 \ud310\uacb0 <span class=\"verdict-lose\">\uc720\uc871 \ud328\uc18c<\/span><\/div>\n<p>\uac00\uc871\uc774 \ucc28\ub7c9 \uc548\uc5d0\uc11c \ubc88\uac1c\ud0c4\uc744 \ud53c\uc6cc \ub3d9\ubc18 \uc790\uc0b4\ud55c \uc0ac\uc548\uc785\ub2c8\ub2e4. \uc0ac\uace0 \uc774\ud2c0 \uc804 \ubc88\uac1c\ud0c4 \uad6c\uc785, \uc218\uba74\uc720\ub3c4\uc81c \uc900\ube44\u00b7\ubcf5\uc6a9, \uc790\ub140\ub97c \uba3c\uc800 \uc218\uba74 \uc720\ub3c4\ud558\ub294 \ub4f1 \uacc4\ud68d\uc131 \uc788\ub294 \uc900\ube44 \ud589\uc704\uac00 \ubaa8\ub450 \ud655\uc778\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc54c\ucf54\uc62c\u00b7\uc57d\ubb3c\uc774 \uac80\ucd9c\ub418\uc5c8\uc73c\ub098 \uce58\uc0ac\ub18d\ub3c4\uc5d0 \ud6e8\uc52c \ubbf8\uce58\uc9c0 \ubabb\ud558\uc600\uace0, \uc77c\ub828\uc758 \ud589\ub3d9\uc774 \uc2ec\uc2e0\uc0c1\uc2e4 \uc0c1\ud0dc\uc5d0\uc11c\ub294 \ubd88\uac00\ub2a5\ud558\ub2e4\uace0 \ubcf4\uc544 \uba74\ucc45 \uc608\uc678\ub97c \ubd80\uc815\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"point-box\">\n<div class=\"point-box-title\">\uc2ec\uc2e0\uc0c1\uc2e4 \uc608\uc678 \uc778\uc815 \uc5ec\ubd80 \u2014 \ud310\ub2e8 \uae30\uc900 \uc815\ub9ac<\/div>\n<ul>\n<li><strong>\uc608\uc678 \uc778\uc815\uc5d0 \uc720\ub9ac\ud55c \uc0ac\uc815<\/strong>: \uc7a5\uae30\uac04 \uc9c0\uc18d\ub41c \uc911\uc99d \uc815\uc2e0\uc9c8\ud658 \uce58\ub8cc \uae30\ub85d \/ \uac10\uc815\uc758\uc758 &#8216;\uc790\uc720\ub85c\uc6b4 \uc758\uc0ac\uacb0\uc815 \ubd88\uac00&#8217; \uc9c4\ub2e8 \/ ADHD \ub4f1 \ucda9\ub3d9\ud1b5\uc81c \uc7a5\uc560 \/ \uc57d\ubb3c \ubcf5\uc6a9 \uc911\ub2e8 \ub4f1 \uce58\ub8cc \uacf5\ubc31 \/ \ucda9\ub3d9\uc801\u00b7\uc989\uac01\uc801 \uc790\uc0b4 \ubc29\uc2dd<\/li>\n<li><strong>\uc608\uc678 \ubd80\uc815\uc5d0 \ubd88\ub9ac\ud55c \uc0ac\uc815<\/strong>: \uc790\uc0b4 \uc804 \uacc4\ud68d\uc801 \uc900\ube44 \ud589\uc704(\ubb3c\ud488 \uad6c\uc785\u00b7\uc7a5\uc18c \uc774\ub3d9\u00b7\ubb38\uc790 \ubc1c\uc1a1 \ub4f1) \/ \uc790\uc0b4 \uc9c1\uc804 \uc815\uc2e0 \uc0c1\ud0dc \ud638\uc804 \uae30\ub85d \/ \uc790\uc0b4 \uc9c1\uc804 \uc218\ub144\uac04 \uc9c4\ub8cc \uacf5\ubc31 \/ \ubcf5\ud569\uc801 \uc790\uc0b4 \ub3d9\uae30(\uacbd\uc81c\u00b7\uc778\uac04\uad00\uacc4 \ub4f1) \/ \uac10\uc815\uc758\uc758 &#8220;\ud310\ub2e8 \uace4\ub780&#8221; \ud68c\uc2e0<\/li>\n<\/ul><\/div>\n<p><\/p>\n<h2 id=\"sec-summary\">\ud310\uacb0 \uacb0\uacfc \uc694\uc57d<\/h2>\n<div style=\"position:relative;width:100%;padding-top:56.25%;margin:28px 0 36px;background:#0d0d0d;border-radius:12px;overflow:hidden;\"><iframe src=\"https:\/\/atlaw.kr\/kr-blog\/wp-content\/uploads\/sites\/2\/2026\/05\/atlas-minor-insurance-ch06.html\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;border:0;\" allow=\"fullscreen\" allowfullscreen loading=\"lazy\"><\/iframe><\/div>\n<table>\n<thead>\n<tr>\n<th>\uccad\uad6c<\/th>\n<th>\ubc95\uc6d0 \ud310\ub2e8<\/th>\n<th>\uc778\uc6a9\uc561<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uc8fc\uc704\uc801 \u2014 \uc0ac\ub9dd\ubcf4\ud5d8\uae08 2\uc5b5 \uc6d0<\/td>\n<td>\uae30\uac01 \u2014 \ud2b9\ubcc4\ub300\ub9ac\uc778 \ubbf8\uc120\uc784, \uc774\ud574\uc0c1\ubc18\ud589\uc704\ub85c \uc0ac\ub9dd\ub2f4\ubcf4 \ubb34\ud6a8<\/td>\n<td>\u2014<\/td>\n<\/tr>\n<tr>\n<td>\uc8fc\uc704\uc801 \u2014 \uace8\uc808\uc9c4\ub2e8\ube44 80\ub9cc \uc6d0<\/td>\n<td>\uc778\uc6a9 \u2014 \uc0c1\ud574\ub2f4\ubcf4 \uc720\ud6a8, \uc2ec\uc2e0\uc0c1\uc2e4 \uc608\uc678\ub85c \uba74\ucc45 \ubd80\uc815<\/td>\n<td>X1\u00b7X2 \uac01 40\ub9cc \uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc81c1 \uc608\ube44\uc801 \u2014 \uc124\uba85\uc758\ubb34 \uc704\ubc18 \uc190\ud574\ubc30\uc0c1<\/td>\n<td>\uc778\uc6a9 \u2014 Y \ucc45\uc784 70% \uc778\uc815 (X1 \uacfc\uc2e4 30%)<\/td>\n<td>X1\uc5d0\uac8c 1\uc5b5 4,000\ub9cc \uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc81c2 \uc608\ube44\uc801 \u2014 \ubcf4\ud5d8\ub8cc \ubc18\ud658<\/td>\n<td>\ud310\ub2e8 \ubd88\uc694 (\uc81c1 \uc608\ube44\uc801 \uccad\uad6c \uc778\uc6a9\uc73c\ub85c \uc885\uacb0)<\/td>\n<td>\u2014<\/td>\n<\/tr>\n<tr>\n<td>\uc18c\uc1a1\ube44\uc6a9<\/td>\n<td colspan=\"2\">X1\u00b7X2 30% \/ Y 70% \ubd80\ub2f4<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><\/p>\n<h2 id=\"sec-faq\">\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/h2>\n<div style=\"position:relative;width:100%;padding-top:56.25%;margin:28px 0 36px;background:#0d0d0d;border-radius:12px;overflow:hidden;\"><iframe src=\"https:\/\/atlaw.kr\/kr-blog\/wp-content\/uploads\/sites\/2\/2026\/05\/atlas-minor-insurance-ch07.html\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;border:0;\" allow=\"fullscreen\" allowfullscreen loading=\"lazy\"><\/iframe><\/div>\n<div class=\"faq-item\">\n<p class=\"faq-q\">Q. \ubbf8\uc131\ub144 \uc790\ub140\ub97c \ud53c\ubcf4\ud5d8\uc790\ub85c \ud55c \uc0ac\ub9dd\ubcf4\ud5d8\uc5d0 \uc774\ubbf8 \uac00\uc785\ub418\uc5b4 \uc788\ub2e4\uba74 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud558\ub098\uc694?<\/p>\n<p>A. \ud2b9\ubcc4\ub300\ub9ac\uc778 \uc120\uc784 \uc5c6\uc774 \uccb4\uacb0\ub41c \ubbf8\uc131\ub144\uc790 \uc0ac\ub9dd\ubcf4\ud5d8\uc740 \uacc4\uc57d \uccb4\uacb0 \uc2dc\ubd80\ud130 \ubb34\ud6a8\uc785\ub2c8\ub2e4. \ud604\uc7ac \ub0a9\uc785 \uc911\uc774\ub77c\uba74 \uacc4\uc57d \ud6a8\ub825\uc744 \uc7ac\ud655\uc778\ud558\uace0, \ubb34\ud6a8 \ud310\uc815 \uc2dc \ub0a9\uc785 \ubcf4\ud5d8\ub8cc \ubc18\ud658 \uccad\uad6c\ub97c \uac80\ud1a0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uace8\uc808\uc9c4\ub2e8\ube44\u00b7\uc2e4\uc190\uc758\ub8cc\ube44 \ub4f1 \uc0c1\ud574\ubcf4\ud5d8 \ubd80\ubd84\uc740 \ubcc4\ub3c4\ub85c \uc720\ud6a8\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c, \ub2f4\ubcf4 \uad6c\uc870\ub97c \ud56d\ubaa9\ubcc4\ub85c \uad6c\ubd84\ud558\uc5ec \uac80\ud1a0\ud558\uc5ec\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<div class=\"faq-item\">\n<p class=\"faq-q\">Q. \ubcf4\ud5d8\uc124\uacc4\uc0ac\uac00 \ubcf4\ud5d8\uacc4\uc57d\uc790\uc778 \uacbd\uc6b0 \ubcf4\ud5d8\ud68c\uc0ac\ub294 \uc124\uba85\uc758\ubb34\ub97c \uba74\ud560 \uc218 \uc788\ub098\uc694?<\/p>\n<p>A. \uc6d0\uce59\uc801\uc73c\ub85c \ubcf4\ud5d8\uc124\uacc4\uc0ac\ub294 \uc804\ubb38\ubcf4\ud5d8\uacc4\uc57d\uc790\ub85c\uc11c \ubcf4\ud5d8\uc5c5\ubc95\uc0c1 \uc124\uba85\uc758\ubb34\uc758 \uc0c1\ub300\ubc29\uc5d0\uc11c \uc81c\uc678\ub429\ub2c8\ub2e4(\uccad\uc8fc\uc9c0\ubc29\ubc95\uc6d0 2021\uac00\ub2e859734, \uc804\uc8fc\uc9c0\ubc29\ubc95\uc6d0 2023\ub09817775). \uadf8\ub7ec\ub098 \ucc3d\uc6d0\uc9c0\ubc29\ubc95\uc6d0 2025\uac00\ud56910707 \ud310\uacb0\uc5d0\uc11c \ubcf4\ub4ef\uc774, \uc5c5\uacc4\uc5d0\uc11c \uad50\uc721\u00b7\uc548\ub0b4 \uad00\ud589\uc870\ucc28 \uc5c6\uc5c8\ub358 \ud2b9\uc218\ud55c \uc0ac\ud56d(\ud2b9\ubcc4\ub300\ub9ac\uc778 \uc120\uc784 \ud544\uc694\uc131 \ub4f1)\uc5d0 \ub300\ud574\uc11c\ub294 \uc124\uba85\uc758\ubb34\uac00 \uc778\uc815\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc124\uba85\uc758\ubb34 \uba74\uc81c\ub97c \uae30\uacc4\uc801\uc73c\ub85c \uc801\uc6a9\ud558\uae30 \uc5b4\ub824\uc6b4 \uc774\uc720\uc785\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<div class=\"faq-item\">\n<p class=\"faq-q\">Q. \ud53c\ubcf4\ud5d8\uc790\uac00 \uc6b0\uc6b8\uc99d \uce58\ub8cc\ub97c \ubc1b\uace0 \uc788\uc5c8\ub2e4\uba74 \uc790\uc0b4 \uba74\ucc45\uc774 \ubd80\uc815\ub418\ub098\uc694?<\/p>\n<p>A. \uc6b0\uc6b8\uc99d \uce58\ub8cc \uc0ac\uc2e4\ub9cc\uc73c\ub85c \uc790\ub3d9\uc73c\ub85c \uba74\ucc45\uc774 \ubd80\uc815\ub418\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4. \ubc95\uc6d0\uc740 \uc815\uc2e0\uc9c8\ud658\uc758 \ubc1c\ubcd1 \uc2dc\uae30\u00b7\uc9c4\ud589 \uc815\ub3c4, \uc790\uc0b4 \ubb34\ub835\uc758 \uad6c\uccb4\uc801 \uc0c1\ud0dc, \uc790\uc0b4 \ubc29\ubc95\uc758 \uacc4\ud68d\uc131 \ub4f1\uc744 \uc885\ud569\ud569\ub2c8\ub2e4. \uc790\uc0b4 \uc804 \uacc4\ud68d\uc801 \uc900\ube44 \ud589\uc704\uac00 \ud655\uc778\ub418\uac70\ub098(\ub300\uad6c 2021\ub098305176, \uc11c\uc6b8\uc911\uc559 2022\uac00\ub2e85232027), \uc9c1\uc804 \uc815\uc2e0 \uc0c1\ud0dc\uac00 \ud638\uc804\ub41c \uae30\ub85d\uc774 \uc788\uc73c\uba74(\uad11\uc8fc\uace0\ub4f1 2018\ub09824430) \uba74\ucc45 \uc608\uc678\uac00 \ubd80\uc815\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<div class=\"faq-item\">\n<p class=\"faq-q\">Q. \ubcf4\ud5d8\ud68c\uc0ac\uac00 \ubcf4\ud5d8\ub8cc\ub97c \ubc1b\uc544\ub193\uace0 \uc2a4\uc2a4\ub85c \ubb34\ud6a8\ub97c \uc8fc\uc7a5\ud558\ub294 \uac83\uc774 \ud5c8\uc6a9\ub418\ub098\uc694?<\/p>\n<p>A. \ubc95\uc6d0\uc740 \uc77c\uad00\ub418\uac8c \ud5c8\uc6a9\ub41c\ub2e4\uace0 \ud310\uc2dc\ud569\ub2c8\ub2e4. \uc0c1\ubc95 \uc81c731\uc870 \uc81c1\ud56d\uc740 \ub3c4\ubc15\ubcf4\ud5d8 \uc704\ud5d8\uc131, \ud53c\ubcf4\ud5d8\uc790 \uc0b4\ud574 \uc704\ud5d8\uc131, \uacf5\uc11c\uc591\uc18d \uce68\ud574 \uc704\ud5d8\uc744 \ubc29\uc9c0\ud558\uae30 \uc704\ud55c \uac15\ud589\uaddc\uc815\uc774\ubbc0\ub85c, \ubcf4\ud5d8\ud68c\uc0ac\uac00 \uc2a4\uc2a4\ub85c \ubb34\ud6a8\ub97c \uc8fc\uc7a5\ud558\ub354\ub77c\ub3c4 \uc2e0\uc758\uc131\uc2e4\u00b7\uae08\ubc18\uc5b8 \uc6d0\uce59\uc5d0 \ubc18\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8\uccad\uc57d\uc11c\uc5d0 \ubc95\uc815\ub300\ub9ac\uc778 \uc11c\uba85\ub780\ub9cc \uc548\ub0b4\ud558\uc600\ub2e4 \ud558\ub354\ub77c\ub3c4 \ub9c8\ucc2c\uac00\uc9c0\uc785\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<div class=\"faq-item\">\n<p class=\"faq-q\">Q. \uc790\uc0b4 \uba74\ucc45\uc5d0\uc11c \uc785\uc99d\ucc45\uc784\uc740 \ub204\uac00 \uc9c0\ub098\uc694?<\/p>\n<p>A. \uc790\uc0b4 \uc0ac\uc2e4 \uc790\uccb4\ub294 \ubcf4\ud5d8\ud68c\uc0ac\uac00 \uc99d\uba85\ud569\ub2c8\ub2e4. \uc790\uc0b4\uc774 \uc778\uc815\ub418\uba74 \uc77c\ub2e8 \uba74\ucc45\uc0ac\uc720\uc5d0 \ud574\ub2f9\ud558\uace0, \uadf8 \uc774\ud6c4 \uc2ec\uc2e0\uc0c1\uc2e4 \ub4f1 \uc608\uc678 \uc0ac\uc720(\uc790\uc720\ub85c\uc6b4 \uc758\uc0ac\uacb0\uc815 \ubd88\uac00 \uc0c1\ud0dc)\ub294 \ubcf4\ud5d8\uae08 \uccad\uad6c\uc790 \uce21\uc774 \uc99d\uba85\ud558\uc5ec\uc57c \ud569\ub2c8\ub2e4(\uc11c\uc6b8\uc911\uc559\uc9c0\ubc29\ubc95\uc6d0 2017\uac00\ub2e814008). \ub530\ub77c\uc11c \uc815\uc2e0\uc9c8\ud658 \uc9c4\ub8cc\uae30\ub85d, \uac10\uc815\uc758 \uc18c\uacac, \uc790\uc0b4 \ud589\uc704\uc758 \ubc29\ubc95\u00b7\ud0dc\uc591\uc5d0 \uad00\ud55c \uc785\uc99d\uc774 \uc2e4\uc9c8\uc801\uc73c\ub85c \ubcf4\ud5d8\uae08 \uc218\ub839 \uac00\ubd80\ub97c \uacb0\uc815\ud569\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<p class=\"closing\">\ubbf8\uc131\ub144\uc790 \uc0ac\ub9dd\ubcf4\ud5d8 \ubd84\uc7c1, \ubcf4\ud5d8\uae08 \uccad\uad6c \uac70\uc808, \uc790\uc0b4 \uba74\ucc45 \uad00\ub828 \ubd84\uc7c1\uc5d0 \uad00\ud558\uc5ec \uc804\ubb38\uc801\uc778 \ubc95\ub960 \uac80\ud1a0\uac00 \ud544\uc694\ud558\uc2e0 \uacbd\uc6b0 \ubc95\ubb34\ubc95\uc778 \uc544\ud2c0\ub77c\uc2a4\ub85c \ubb38\uc758\ud558\uc5ec \uc8fc\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. 032-864-8300 \/ info@atlaw.kr \/ \uc778\ucc9c \uc1a1\ub3c4<\/p>\n<div class=\"author-box\">\n    <img decoding=\"async\" class=\"author-avatar\" src=\"https:\/\/atlaw.kr\/kr-blog\/wp-content\/uploads\/sites\/2\/2026\/06\/author-avatar-212d73c3c7.jpg\" alt=\"\ubc15\uc18c\uc601 \ub300\ud45c\ubcc0\ud638\uc0ac\"><\/p>\n<div class=\"author-text\">\n<div class=\"author-section-label\">\uae00\uc4f4\uc774 \uc18c\uac1c<\/div>\n<div class=\"author-name\">\ubc15\uc18c\uc601 | \ub300\ud45c\ubcc0\ud638\uc0ac<\/div>\n<div class=\"author-detail\">\uac00\uc0ac, \uc0c1\uc18d, \uac74\uc124\u00b7\ubd80\ub3d9\uc0b0 \ubd84\uc7c1 \uc804\ubb38 \ubcc0\ud638\uc0ac<\/div>\n<div class=\"author-detail\">\uc0ac\ubc95\uc5f0\uc218\uc6d0 33\uae30 | \uace0\ub824\ub300\ud559\uad50 \ubc95\ud559\uacfc<\/div>\n<div class=\"author-detail\">\ubc95\ubb34\ubc95\uc778 \uc544\ud2c0\ub77c\uc2a4 | \uc778\ucc9c \uc1a1\ub3c4<\/div>\n<p>      <a class=\"author-link\" href=\"https:\/\/atlaw.kr\" target=\"_blank\" rel=\"noopener noreferrer\">\ubc95\ubb34\ubc95\uc778 \uc544\ud2c0\ub77c\uc2a4 \ud648\ud398\uc774\uc9c0 \ubc14\ub85c\uac00\uae30 \u2192<\/a>\n    <\/div>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\ud575\uc2ec \ub2f5\ubcc0: \ubbf8\uc131\ub144\uc790\ub97c \ud53c\ubcf4\ud5d8\uc790\ub85c \ud55c \uc0ac\ub9dd\ubcf4\ud5d8\uacc4\uc57d\uc744 \uccb4\uacb0\ud560 \ub54c \uce5c\uad8c\uc790\uac00 \ubc95\uc815\ub300\ub9ac\uc778\uc73c\ub85c\uc11c \ubcf4\ud5d8\uacc4\uc57d\uc744 \uccb4\uacb0\ud558\ub294 \ud589\uc704\ub294, \uce5c\uad8c\uc790\uc640 \ubbf8\uc131\ub144\uc790 \uc0ac\uc774\uc758 \uc774\ud574\uc0c1\ubc18\ud589\uc704\uc5d0 \ud574\ub2f9\ud558\uc5ec \ubbfc\ubc95 \uc81c921\uc870\uc5d0 \ub530\ub77c \ud2b9\ubcc4\ub300\ub9ac\uc778 \uc120\uc784\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ucc3d\uc6d0\uc9c0\ubc29\ubc95\uc6d0 2025\uac00\ud56910707 \ud310\uacb0\uc740 \ud2b9\ubcc4\ub300\ub9ac\uc778 \uc120\uc784 \uc5c6\uc774 \uccb4\uacb0\ub41c \uc0ac\ub9dd\ubcf4\ud5d8 \ubd80\ubd84\uc740 \ubb34\ud6a8\uc774\ub098, \uc0c1\ud574\ub2f4\ubcf4 \ubd80\ubd84\uc740 \uc774\ud574\uc0c1\ubc18\ud589\uc704\uac00 \uc544\ub2c8\ubbc0\ub85c \uc720\ud6a8\ud558\ub2e4\uace0 \ud310\uc2dc\ud558\uc600\uc2b5\ub2c8\ub2e4. \ub610\ud55c \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc778 \uacc4\uc57d\uc790\uc5d0\uac8c\ub3c4 \ubcf4\ud5d8\ud68c\uc0ac\uc758 \uc124\uba85\uc758\ubb34\uac00 \uc778\uc815\ub418\uba70, \uc6b0\uc6b8\uc99d\u00b7ADHD \uc9c4\ub2e8\uc744 \ubc1b\uc740 \ud53c\ubcf4\ud5d8\uc790\uc758 \uc790\uc0b4\uc740 \uc2ec\uc2e0\uc0c1\uc2e4 \uc608\uc678\uac00 \uc801\uc6a9\ub420 \uc218&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[15],"tags":[],"class_list":["post-3889","post","type-post","status-publish","format-standard","hentry","category-15"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\ubbf8\uc131\ub144\uc790 \uc0ac\ub9dd\ubcf4\ud5d8 \ud2b9\ubcc4\ub300\ub9ac\uc778 \ubbf8\uc120\uc784 \u2014 \uacc4\uc57d \ubb34\ud6a8\u00b7\uc124\uba85\uc758\ubb34 \uc704\ubc18\u00b7\uc790\uc0b4 \uba74\ucc45 \ud310\uacb0 \ubd84\uc11d | \ubc95\ubb34\ubc95\uc778 \uc544\ud2c0\ub77c\uc2a4<\/title>\n<meta name=\"description\" content=\"\ucc3d\uc6d0\uc9c0\ubc29\ubc95\uc6d0 2025\uac00\ud56910707 \ud310\uacb0\uc744 \uc911\uc2ec\uc73c\ub85c, \ubbf8\uc131\ub144\uc790 \ud53c\ubcf4\ud5d8\uc790 \uc0ac\ub9dd\ubcf4\ud5d8\uc5d0\uc11c \ud2b9\ubcc4\ub300\ub9ac\uc778 \ubbf8\uc120\uc784\uc758 \ubb34\ud6a8 \ud6a8\uacfc, \uc124\uba85\uc758\ubb34 \uc704\ubc18 \uc190\ud574\ubc30\uc0c1 1\uc5b5 4,000\ub9cc \uc6d0 \uc778\uc815, \uc2ec\uc2e0\uc0c1\uc2e4 \uc790\uc0b4 \uba74\ucc45 \uc608\uc678 \uc694\uac74\uc744 \uad00\ub828 \ud310\ub840 11\uac74\uacfc \ud568\uaed8 \ubd84\uc11d\ud569\ub2c8\ub2e4.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/atlaw.kr\/kr-blog\/minor-life-insurance-special-agent-liability-kr\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta 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