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(영문) 서울중앙지방법원 2016.08.11 2015가단5394385
보험금
Text

1. The plaintiff's claim is dismissed.

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

Reasons

1. The facts below the basis facts do not conflict between the parties, or may be found in Gap evidence Nos. 1 to 7 (including branch numbers; hereinafter the same shall apply) and Eul evidence Nos. 2, 4 and 5 together with the whole purport of the pleadings.

On May 27, 2002, the Plaintiff and the Defendant entered into a non-dividend three insurance contract (hereinafter “life insurance contract”) with the main insured as the Plaintiff, with the content of KRW 100,000,000,000,000,000,000,000,000,000,000. On September 15, 1993, the Plaintiff and the Defendant entered into a new pension insurance contract with the main insured as the Plaintiff and paid KRW 6 million each year prior to the commencement of the payment of the pension (hereinafter “pension insurance contract”).

B. The main contents of the terms of the life insurance contract are as follows:

Article 17 (Types and Grounds for Payment of Insurance Money) of the Terms and Conditions of the State Contracts (Types and Grounds for Payment of Insurance Money) A company shall pay the death insurance money (see attached Table 1 "the Standard Table for Payment of Insurance Money") if the insured dies or becomes disabled in the first degree of disability classification table during the insurance period (life).

Article 19 (Insurance Accidents for which No Insurance Money is Paid) (1) The Company may terminate this contract simultaneously with the failure to pay insurance money or to exempt the payment of insurance premium when any of the following events occurs:

1. Where the insured has intentionally impaired himself/herself, but this shall not apply where the insured has impaired himself/herself in a state of mental illness, and where he/she commits suicide or has injured himself/herself after two years from the date of commencement of responsibility for the contract (in cases of an inevitable contract, the date of reinstatement) and thereby becomes a state of disability of Grade I in the disability classification

(Attachment 1) Death insurance money in the table of the standards for payment of insurance proceeds: The insured shall be in a state of disability of Grade I in the table of the classification of disabilities during the insurance period.

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