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(영문) 서울중앙지방법원 2019.08.28 2018나79508 (1)

보험금

Text

1. The defendant's appeal is all dismissed.

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

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

Reasons

1. Basic facts

A. The plaintiff A is the wife of the non-party deceased E (hereinafter "the deceased"), and the plaintiff B and C are children between the deceased and the plaintiff.

B. On January 18, 2017, Plaintiff A entered into an F insurance contract with the Defendant with the insurance period from January 18, 2017 to January 18, 2045, with the deceased as the deceased, and with the beneficiary at the time of the death of the insured as a statutory heir (hereinafter “instant insurance contract”).

The insurance contract of this case includes the "Cance Diagnosis Security" with the content that, after the date of commencement of the guarantee, the amount of KRW 10 million shall be paid when the diagnosis is finalized by cancer (excluding part of the small amount of cancer, etc.) and the "Sais Death Security" with the content that, when the insured dies from a disease, the amount of KRW 30 million, which is the subscription amount, shall be paid to the beneficiary of death. The terms and conditions concerning the "

2-1. Article 1 (Grounds for Payment of Insurance Money) (1) of the Special Terms and Conditions for the Guarantee of Death of a Disease (Grounds for Payment of Insurance Money)

In cases where a person dies of a disease of a kind of insurance proceeds paid, the amount of insurance covered by this special agreement shall not be included in the following medical practice through a medical examination or examination conducted by a doctor with the following ten diseases within the last five years, and it is true that he/she has received the following medical practice:

C. At the time of the conclusion of the above insurance contract, Plaintiff A responded to the following questions:

On November 20, 2015, prior to the conclusion of the instant insurance contract, the Deceased was hospitalized in G Hospital under the name of the disease, such as light fluorite, fluoral base, fluoral base, cerebral dysium, salkes, and salkes, and salkes. At the time, the foregoing hospital presented the Deceased’s opinion on the salutical chromatic chronological dys, in addition to the above external wounds.