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(영문) 서울중앙지방법원 2017.01.13 2015가단131244

보험금

Text

1. Each of the plaintiffs' claims is dismissed.

2. The costs of lawsuit are assessed against the plaintiffs.

Reasons

1. Basic facts

A. (1) On April 12, 2012, the Defendant entered into an insurance contract with the Plaintiff as follows. The name of the goods: (a) the insured without dividends: (b) C/C beneficiary: the insured period from April 12, 2012 to April 12, 202: (c) the content of guarantee from April 12, 2012 to April 12, 202; (d) the amount of cancer treatment insurance: 60,000,000 - the amount of high-amount cancer treatment insurance: 40,000,000) the Defendant entered into an insurance contract with the Plaintiff B on October 19, 2012, as follows:

The name of goods: The insured without dividends: The Plaintiff B insurance period: from October 19, 2012 to October 19, 202 - The content of security from October 19, 2012 - the amount of cancer treatment insurance - the amount of high cancer treatment insurance - the amount of high cancer treatment insurance: 20,000,000 won: 20,000

B. The terms and conditions of each of the above insurance contracts are as follows.

Article 16. The definitions and diagnosis confirmation of "the Mean", "other skin cancer" and "the Mean cancer" 1) The term "the Mean" in this contract refers to the disease specified in attached Table 4 [excluding other skin cancer and the Mean cancer] in the Korea Standard Disease Classification (hereinafter referred to as the "Mean").

However, it excludes diseases falling under the former cancer conditions, which are pre-explosion, which are prescribed as malmatant, classification number C44 (other malicious organisms of the skin, and classification number C73 (A).

(5) The diagnosis and confirmation of cancer, other skin cancer and Athropia shall be made by a person with a professional doctor's license of autopsy pathology or clinical pathology, and this diagnosis shall be based on the current opinion on organization inspection, non-satise inspection, or blood inspection.

However, only when the insured (insured) dies and cannot be based on the method of the above examination, it can be demonstrated that the insured (insured) has been diagnosed or treated as cancer, scarcity cancer, and Aropical cancer.