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(영문) 서울중앙지방법원 2015.02.16 2014가단5229682
보험금
Text

1. The defendant shall pay 50 million won to each of the plaintiffs and 20% per annum from August 20, 2014 to the day of complete payment.

Reasons

1. Facts of recognition;

A. On August 28, 2006, Plaintiff B entered into an insurance contract of 2.1 of the non-distribution insurance type 2.1 (hereinafter “instant insurance contract”) with the Defendant as the insured on August 28, 2006, with the Defendant as the insured. At the time, when the insured died as “disaster,” Plaintiff B additionally subscribed to a special agreement in which KRW 100 million of insurance proceeds are separately paid to the inheritor (hereinafter “instant special agreement”).

B. Since March 6, 2014, C shall be from March 6, 2014 to

3.7. During the instant period, a person was saved in one telecom and killed by sashing a shower in a bath room and sashing the sab.

C. The Defendant paid 63 million won general death insurance money under the instant insurance contract to the Plaintiffs (parents) who are heirs of C, but rejected the payment of insurance money under the instant special agreement.

The following are the main contents of the terms and conditions of the instant special agreement relating to the instant case.

Article 10 [Types and Grounds for Payment of Insurance Money] Company shall pay the amount of insurance coverage under a special contract to the beneficiary if the insured dies due to a disaster specified in the disaster classification table during the insurance period of this special contract.

Disaster Classification Table

1. An accident eligible to be guaranteed: (1) Any contingent external accident falling under the Korean Standard Disease Disease Classification (S00~Y84);

2. A disaster for which no insurance money is paid. Article 12 of the intentionally self-injury (X60 to X84) [Insurance Accidents for which no insurance money is paid] (1) A company fails to pay insurance money when any of the following events occurs, or (hereinafter omitted):

1. The case where the insured has intentionally impaired himself/herself, but this shall not apply to the case where it has been proved that he/she has impaired himself/herself under a condition that he/she is unable to make a free decision due to mental illness, etc. and where he/she committed suicide after

2...

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