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(영문) 서울중앙지방법원 2019.03.06 2016가단5146927

보험금

Text

1. The plaintiff's claim is dismissed.

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

Reasons

Basic Facts

On July 16, 2010, the Plaintiff concluded a lifelong cancer insurance contract between the Defendant who is engaged in the postal insurance business and the Defendant, which provides that the Plaintiff’s spouse B shall be subject to the main insurance, the Plaintiff’s beneficiary, and the life-long cancer insurance contract that pays cancer treatment insurance money, etc. with the insurance period of ten years (hereinafter “instant insurance contract”).

According to the insurance contract of this case, where the deceased is diagnosed and confirmed as cancer after the date of cancer security commencement, the deceased shall be paid KRW 60 million for the first time for more than two years, and the general cancer for more than two years shall be paid KRW 30 million for more than two years. The terms and conditions of this case are as follows.

Article 8 of the Lifelong Guarantee Contract 【Termination of the Contract】 Where any cause for the payment of cancer treatment insurance money under Article 15(1)1 occurs (excluding cases where diagnosis has been made in the form of Apryp cancer, Apryp cancer, Apryp cancer, Apryp cancer, Aprypum cancer, and Balpump cancer) to the insured, or the insured dies, this contract shall not be effective from that time.

Article 15 (Types and Grounds for Payment of Insurance Money) (1) A communications agency shall pay the insurance money agreed upon to the beneficiary when any of the following causes occurs to the insured during the period of insurance:

(See Attached Table 1 “The Standard Table for Payment of Insurance Money”

1. Cancer treatment insurance money: A cancer is diagnosed and confirmed after the date of commencing cancer security, or a disease is determined in accordance with attached Table 2 (excluding Apypam and other skin cancer) of the Korean Standard Disease and Death Classification (excluding Apypam and other skin cancer) when the diagnosis is finalized by the first type of Apypamam, thypamamam, or boundaryal sypamam, during the insurance period (only the first time only once for the first time for the cancer, Apypamam, and dypamam and boundaryal sypam respectively).