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(영문) 전주지방법원군산지원 2019.09.10 2019가단50692

채무부존재확인

Text

1. The plaintiff's claim is dismissed.

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

Reasons

1. Basic facts

A. A. Around June 27, 2007, the Defendant entered into an insurance contract with C Co., Ltd. as indicated in the separate sheet No. 1 with the insured as the Defendant (hereinafter “instant insurance contract”).

The insurance contract of this case includes a special agreement which causes 5 million won for purchase of insurance for 16th specific disease treatment expenses, and 5 million won for women-only disease treatment expenses.

On May 3, 2013, the Plaintiff acquired various insurance contracts, including the instant insurance contracts, from C Co., Ltd. according to a decision to transfer contracts by the Financial Services Commission.

(hereinafter referred to as “Plaintiffs” through C and the Plaintiff. (b)

이 사건 보험계약의「16대 특정질병보장 담보 특별약관」 및 「여성전용질병(부인과질병, 여성만성질병, 갑상선질환) 담보 특별약관」에 따르면, 원고는 피고가 보험약관에서 정한 ‘16대 특정질병’ 또는 ‘여성전용질병’ 치료를 직접적인 목적으로 수술을 받은 경우 수술 1회당 특약보험가입금액인 각 500만 원의 보험금을 지급하도록 규정하고 있고(제1조, 제4조), 이때 수술이라 함은 "의사에 의하여 ‘16대특정질병’ 또는 ‘여성전용질병’의 치료가 필요하다고 인정된 경우로서 의사의 관리 하에 ’16대특정질병‘ 또는 '여성전용질병'의 치료를 직접적인 목적으로 기구를 사용하여 생체(生體)의 절단(切斷), 적제(摘除) 등의 조작을 가하는 것을 말하며 흡인(吸引), 천자(穿刺) 등의 조치 및 신경(神境)차단(NERVE BLOCK)은 제외한다.

§ 23(3).

(Article III, Section 4). (c)

The defendant was diagnosed at the D Hospital on September 23, 2016 and other non-toxic highly toxic symptoms, as shown in the attached list No. 2, for this purpose, he/she was diagnosed at the D Hospital on September 23, 2016, and was diagnosed at the lower part of the upper part of the A, and was diagnosed on May 21, 2018, for this purpose.