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1. The plaintiff's claim is dismissed.
2. The costs of lawsuit shall be borne by the Plaintiff.
Reasons
1. Basic facts
A. On July 13, 2016, the Plaintiff entered into a “C” contract with the Defendant (hereinafter “instant insurance contract”).
its key
Details are as follows:
1) Insured workers: Net D (the birth in 1982, the Plaintiff’s ancillary, and hereinafter referred to as “the deceased”).
2) Beneficiary of Death Insurance: Plaintiff 3) Optional contract (in the event of death due to an injury, payment of KRW 50,000,000,000,000
B. The terms and conditions of the instant insurance contract are as follows.
1) Article 1 (Grounds for Payment of Insurance Money) of the Special Terms and Conditions for Death: The defendant shall pay the insurance money to the beneficiary if the insured dies as a direct result of the injury during the insurance period. 2) Article 2 (Definition of Terms and Conditions) of the General Terms and Conditions
(a) Injury: He/she shall not inflict an injury on his/her body due to a sudden and incidental accident that happens during the insurance period;
3) Article 6 subparag. 1 of the General Terms and Conditions (Reasons for Not Payment of Insurance Money): Provided, That the insured intentionally damages himself/herself; provided, however, he/she will pay insurance money if the insured has impaired himself/herself in a state that he/she is unable to make a free decision due to mental disorder, etc. (C) On April 8, 2017, the deceased opened a fire-fighting corridor at the end of the corridor F of the Gangdong-gu Seoul Metropolitan Government Office Officetel F, Gangdong-gu, Seoul, and opened it into a balcony, and was discovered in a balcony at around 06:37 on the same day. The deceased died due to a crash (hereinafter referred to as the “instant accident”).
D. At the time of discovery, the Deceased was suffering from the string string string strings and the string string strings. At the time of the discovery, the Deceased was laid down in the balcony on the 8th floor of the instant officetel.
The height of the deceased is 164 cm, and the height of balcony rail is 96 cm, and as a result of CCTV verification, there was no person who entered the balcony after the deceased went to the balcony through fire fighting stairs door.
At the time of field identification, the deceased's residence is presumed to be the small-scale disease of six times.