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(영문) 서울중앙지방법원 2019.12.13 2019가합536783

보험금

Text

1. The plaintiff's claim is dismissed.

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

Reasons

Basic Facts

On January 6, 2012, in the event of the death of a beneficiary (the time of death) in the general injury as of the date of concluding an insurance contract, D, which is a parent of D 13,000,000 net C, concluded each of the following insurance contracts with the Defendant as the insured on March 22, 2016: < Amended by Act No. 1517, Mar. 13, 200,000>

E Article 17 (Reasons for Not Payment of Insurance Money)

1. The Company shall not prevent insurance proceeds when any cause for the payment of insurance proceeds arises in any of the following cases:

The insured (person subject to insurance) shall be intentionally or intentionally, but if the insured has impaired himself/herself in a state that he/she is unable to make a free decision due to mental disorder, etc., the insured shall be paid insurance money

F Article 6 (Reasons for Not Payment of Insurance Money)

1. The Company shall not pay insurance proceeds in any of the following cases, and shall not exempt the payment of guaranteed premiums:

The insured has intentionally impaired himself/herself: Provided, That the insured shall be paid insurance proceeds when he/she has impaired himself/herself in a state that he/she is unable to make a free decision due to a mental disorder

The terms and conditions of each of the above insurance contracts relate to this case are as follows.

The deceased C committed suicide at home on March 14, 2018, and the plaintiff is the children of the deceased C.

[Ground of recognition] In the absence of dispute, Gap evidence Nos. 1, 3, 4, 8 through 11, 14, 15, and Eul evidence Nos. 2 (including the main number), and Eul evidence Nos. 1, 3, 8 through 15, and Eul evidence Nos. 2, and the plaintiff's argument as to the ground of claim for the purport of the whole pleadings was committed in a state where the plaintiff's assertion that he was suffering from depression since around 7 to 10 years, and that he was unable to make a free decision after he was killed of the grandchildren on February 23, 2018 and was seriously shocked for suicide.

The suicide of the deceased C constitutes an exception to the exemption from the payment of insurance money under each of the above insurance contract terms, and the defendant constitutes the plaintiff 213,000.