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(영문) 서울중앙지방법원 2015.02.11 2013가단296970

보험금

Text

1. The defendant's 11,11,111 won and each of them against the plaintiff A, 16,66,66 won, plaintiff B, plaintiff C, and plaintiff D, respectively.

Reasons

1. Facts of recognition;

A. On March 28, 2008, the deceased E (hereinafter “the deceased”) entered into an insurance contract with the Defendant, setting the insured himself, the beneficiary’s heir, the monthly insurance premium of KRW 26,400, the 20-year payment period, and the 80-year payment and the 80-year payment period, respectively. (hereinafter “the instant insurance contract”).

According to the above contract, the insured person (insured) is entitled to pay 50,000,000 won when he/she dies due to a disaster other than a traffic accident during the insurance period.

B. The terms and conditions applicable to the instant insurance contract (hereinafter “instant terms and conditions”) are as follows.

Article 20 (1) The Company may terminate this contract at the same time as it does not pay insurance money or exempt the payment of insurance money if the cause for the payment of insurance money is issued in any of the following cases:

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

C. The Deceased, while holding office as a middle school moral teacher, took care of the deceased’s regularly after being prescribed in the consultation treatment and medicine from January 201 to January 201.

In the process of treatment, the Deceased complained of symptoms, such as her motivation, depression, influorous thoughts, influent thoughts, influorites, etc., the Deceased complained of depression from 2012, which led to the severe aggravation of depression, and providing medical treatment to the two-month sicks, while the Deceased provided medical treatment [at the time, the Deceased provided medical treatment to the deceased under the name of her own name (the regular body’s body’s body’s and herstrophy symptoms) at her own expense (the her body’s body’s body’s strophy and the herstrophy’s strophy)]. Therefore, the Deceased was provided with depression on March 15, 2013.

Even on April 2, 2013, the deceased was treated as a fluorous fluor, such as inorganic force, in a psychiatrist.