beta
(영문) 대구지방법원서부지원 2016.03.31 2015가합6600

보험금

Text

1. The plaintiffs' claims against the defendants are all dismissed.

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

Reasons

1. Basic facts

A. (1) On August 30, 2001, Plaintiff B entered into an insurance contract with Defendant Samsung Fire Insurance & Marine Co., Ltd., the insured on August 30, 2001, and Nonparty B, his/her father’s father Co., Ltd (hereinafter “the deceased”).

(2) In the event of death, a beneficiary of an insurance policy is entitled to the insurance policy of KRW 80,000,000,000,000,000,000 for non-dividend 80,000,000.

(2) Around 2013 and 2014, the Plaintiff B and the Deceased entered into three insurance contracts with the Defendant Heung National Fire & Marine Insurance Co., Ltd. (hereinafter “SYA”) with respect to which the Deceased is the Deceased as follows.

On June 10, 2013, when the policyholder dies on the date of the insurance contract, KRW 100 million in adult disease diagnosis insurance, which is bound by court heir non-distribution, as of May 16, 2014, KRW 2220 million in the adult disease diagnosis insurance, which is bound by court heir non-distribution of the deceased on May 16, 2014. < Amended by Presidential Decree No. 25779, Oct. 30, 2014; Presidential Decree No. 25780, Oct. 30, 2014>

B. However, according to the terms and conditions of the Samsung Insurance Contract, the insurer’s exemption is stipulated in the effect that the insured does not pay insurance money in the event of an insured’s intentional occurrence of an accident or a suicide (Article 5(1)1 and 3 of the Terms and Conditions). According to the terms and conditions of the interesting country insurance contract, Article 3(1)1 of the Special Terms and Conditions concerning Life Insurance for Life of Life, a person who is happy in the event of an insured’s intentional occurrence of an accident, and Article 3(1)1 of the Special Terms and Conditions concerning Life Insurance for Life, an insured’s exemption is stipulated in Article 3(1)1 of the Special Terms and Conditions Concerning Injury to Adult Disease, which is bound by the payment of insurance money, and Article 5(1)1

C. On December 26, 2014, the Deceased’s Death: (a) around 20:12, G apartment located in Busan Shipping Daegu, Busan, the G apartment 109 Dong 406, which fell under the above apartment balcony rail, and on the same day on the same day.