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(영문) 광주지방법원 2017.04.27 2016가합55204
채무부존재확인
Text

1. In relation to the insured events listed in the attached Form 1, the Type 1 insurance contract shall be included in each insurance contract listed in the attached Form 2;

Reasons

1. The Plaintiff concluded a basic fact-finding insurance contract and the Defendants’ status (1) as the insured on November 12, 2012 with Defendant A, the husband of the Plaintiff, and concluded the respective insurance contract on September 12, 2013, the first insurance contract on September 12, 2013, and the second insurance contract on May 222, 2014 (hereinafter “each of the instant separate insurance contracts”) (hereinafter “each of the instant insurance contracts”), respectively.

The beneficiary of the instant No. 1 Insurance and the instant No. 2 Insurance are the legal heir of the deceased, and the beneficiary of the death insurance of the instant No. 3 is the defendant A, and the beneficiary of the death insurance of the deceased is the legal heir of the deceased, and the defendant A and C, who are the wife of the Defendant

(2) The terms and conditions of each of the instant insurance are as follows.

(A) Article 15 (Types and Grounds for Payment of Insurance Money) of the instant 1 Insurance [General Terms and Conditions] The Company is bound to pay to the beneficiary (the beneficiary) the amount of insurance coverage of the instant insurance clause as stated in the Insurance Policy (Certificate of Insurance Policy) if the insured (beneficiary) dies as a direct result of the injury during the insurance period.

Article 17 (Reasons for Not Paying Insurance Money) (1) A company shall not prevent insurance money when any of the following events occurs to cause the payment of insurance money:

1. The intention of the insured: Provided, That where the insured person has impaired himself/herself in a state that he/she is unable to make a free decision due to mental disorder, etc., he/she shall be paid the insurance money to him/her;

(B) Article 19 (Reasons for Not Payment of Insurance Money) 2 insurance of the instant case (General Terms and Conditions) (1) Company shall not prevent insurance money when any of the following events occurs.

1. The intention of the insured: Provided, That the insured shall be intentionally;

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