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(영문) 광주고등법원 2017.09.15 2016나14866

보험금

Text

1. The plaintiffs' appeal is dismissed.

2. The costs of appeal are assessed against the Plaintiffs.

Purport of claim and appeal

The first instance court.

Reasons

1. Basic facts

A. 1) Co., Ltd. (hereinafter “C”)

(1) On November 30, 2005, the Defendant and the insured amount of KRW 80,00,000,000, insurance period from November 30, 2005 to November 30, 2015, the insured D and the beneficiary’s heir at the time of death, respectively, respectively, shall be the contract number: E; hereinafter “instant insurance contract number”); and

2) The terms and conditions of the instant insurance contract are as follows.

Article 16 [Types and Grounds for Payment of Insurance Money] The Company shall pay the insurance money agreed upon to the person who receives the insurance money (beneficiary) (see attached Table 1 of the Standards for Payment of Insurance Money) when any of the following events occurs:

2. When a person subject to insurance (insured) dies due to a disaster during the insurance period or becomes a disability with at least 80% of the aggregate disability payment rate for several physical parts due to the same disaster in the table of disability classification (refer to attached Table 3): Article 18 of the Disaster Death Insurance Money [Insurance Accidents for which no insurance money is paid] (1) The Company may terminate this contract at the same time as not paying insurance money or exempting it from the payment of insurance money if any of the following events occurs:

1. Where an insured person intentionally damages himself/herself, but it shall not be proved that he/she has impaired himself/herself in a state that the insured person is unable to make a free decision due to mental illness, etc.;

(Attachment 1) The Insurance Money Payment Schedule (2) when a person subject to insurance (insured) subject to the payment of the Insurance Money for Accident Death (Article 16 subparagraph 2 of the Terms and Conditions) dies or becomes a disability with at least 80% of the total disability payment rate due to the same disaster during the insurance period period or due to the same disaster (attached Table 3).