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(영문) 대구지방법원포항지원 2013.02.08 2012가합957

보험금

Text

1. On April 6, 2009, Defendant Samsung Life Insurance Co., Ltd.: 7.1 million won and five million won among them.

Reasons

1. Details of conclusion and guarantee of insurance contracts;

A. (i) On January 12, 1999, the Plaintiff entered into an insurance contract with Defendant Samsung Bio-resources with each of the beneficiaries and the beneficiary at the time of the insured and the injury, setting the purchase price of the main insurance as KRW 10 million, and entered into an accident insurance contract with Defendant Samsung Bio-resources.

(hereinafter referred to as "first insurance contract"). The terms and conditions of the first insurance contract relating to this case are as follows:

Article 14 (Grounds for Payment of Insurance Money) (1) The Company shall pay the insurance money agreed upon to the beneficiary when any of the following events occurs:

14. When the insured becomes disabled in Grades 1 through 2 in the disability classification table due to a disaster other than a traffic accident that occurs in the ordinary day during the insurance period: When the insured becomes disabled in Grades 3 through 6 in the disability classification table due to a disaster other than a traffic accident that occurs in the ordinary day during the insurance period; 15. When the insured becomes disabled in Grades 3 through 6 in the disability classification table during the insurance period period: the payment of the benefits for general disability in the ordinary day shall be made.

Provided, That where it is necessary to investigate or confirm the grounds for payment of insurance money or liability reserve, it shall be closed within 10 days after receipt.

(3) If a company fails to pay insurance money, liability reserve, or refund money for cancellation within the date of payment pursuant to paragraph (1), it shall add the amount calculated by adding the interest rate for loans to the period from the day following the date of payment to the date of payment as an annual welfare

(Attachment 1) The payment basis table of insurance money (14) General Disaster Disability Pension (Article 14(1)14 of the Terms and Conditions): The insured shall be excluded from the traffic accident that occurred on the ordinary day during the insurance period.