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(영문) 수원지방법원 2018.04.25 2017가단506956

보험금

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1. All of the plaintiffs' claims are dismissed.

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

Reasons

1. Basic facts

A. The terms and conditions of the insurance contract and the terms and conditions of the insurance contract 1) Plaintiff A’s network D on March 24, 2008 (hereinafter “the network”).

A) The Defendant’s E insurance contract under which the beneficiary was his heir upon the death of the beneficiary as the insured (hereinafter “instant state contract”) and the cover period is the final beneficiary (hereinafter “instant state contract”).

(C) A special agreement for non-distribution of the amount of 100,000,000 won separate from the subscription (hereinafter referred to as the “instant special agreement”)

(2) Article 10 of the terms and conditions of the instant special agreement provides that the insured shall pay the insurance proceeds for death of a disaster if he/she dies of a direct cause due to a disaster during the insurance period. Article 12(1)1 provides that the insured shall not pay the insurance proceeds if he/she intentionally injures himself/herself, but the insured shall not pay the insurance proceeds if it is proved that he/she has impaired himself/herself without free decision-making due to a mental disorder, etc.

B. On November 17, 2016, the Deceased’s Death died: (a) around 04:30, the head of the Suwon-si, Suwon-si, a residential area, F building G; and (b) the elevator from the 23th floor; and (b) died due to telegraphic dys, dives, organ damage, etc., by setting up the corridor window from the hallway window.

(hereinafter referred to as “instant accident”). [Grounds for recognition] The fact that there is no dispute, Gap evidence Nos. 1 through 14, Eul evidence No. 1-1 and 2, and the purport of the whole pleadings.

2. The parties' assertion

A. The Plaintiff alleged that the deceased had shown severe depression, but the burden of employment and marriage was refused to be hospitalized in the mental hospital due to his/her refusal to undergo proper treatment due to the side effects of drugs, and even though he/she had been unable to undergo proper treatment due to the side effects of drugs, he/she left China, and had his/her friendship with a view to reaching a bad mind, but he/she was unable to sleep in the mixed apartment without having her friendship.