beta
(영문) 서울중앙지방법원 2017.01.17 2016가단5052879

보험금

Text

1. The plaintiff's claim is dismissed.

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

Reasons

1. Basic facts

A. A. The policyholder, including the conclusion of an insurance contract: The Plaintiff’s beneficiary: the statutory heir (profit from death) and the insured (income from life): the coverage period from October 5, 2013 to October 5, 2012: - KRW 10,000: - KRW 10,000 of the diagnostic expenses for disease-related disorders (class 1 to Grade 3) - KRW 10,000 of the diagnostic expenses for disease-related disorders (class 1 to Grade 4); KRW 10,000 of the diagnostic expenses for disease-related diseases (class 1 to Grade 2-specific high-level disability diagnosis expenses for the disabled; KRW 10,000 won (hereinafter “instant insurance contract”) and the Defendant entered into a contract with the following terms and conditions (hereinafter “instant insurance contract”).

If the following matters (No. 1-10) are not so true or falsely notified, subscription to the examination may be refused, and in particular, if the content constitutes an important matter, the contract may be terminated or the guarantee may be restricted by the effective clause of the breach of the obligation to notify prior to the contract under the insurance terms and conditions, regardless of the intention of the policyholder or the insured (beneficiary).

"Important matters" means matters that affect the acceptance of a contract, such as refusing to make an application for an insurance contract if the company knew of such fact, or refusing to limit the amount of insurance coverage, excluding partial guarantees, reducing insurance proceeds, and acquiring premiums on a conditional basis, such as premium increase.

1. Within the last three months, whether the following medical practices have been done by a doctor through a medical examination or examination, or not, (1) a final diagnosis of a disease 2) a diagnosis or examination includes a health examination, and the diagnosis or examination column for a disease includes a medical examination, and the diagnosis or examination column for a disease refers to a case where a medical doctor receives a medical certificate or a medical opinion:

(2) On October 4, 2013, in the course of preparing the subscription form for the instant insurance contract, C responded to the question below the questionnaire (hereinafter “instant question”) stating that “the obligation to notify: the obligation to notify the contract:” was written and asked under the questionnaire.

B. (1) The Plaintiff’s parents, such as the Plaintiff’s registration of disabled persons, etc., have become ten months after the Plaintiff’s birth.