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(영문) 서울남부지방법원 2018.01.10 2016가단237275
보험금
Text

1. The plaintiff's claim is dismissed.

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

Reasons

1. Facts of premise;

A. B (C) on February 14, 2006, entered into the instant insurance contract with the Defendant and (B) the Love Lolar Policy (Class 2, Standard Body) (hereinafter “instant insurance contract”).

According to this, cerebrovascular is called "one type of sexually specific disease", and the rest of the main contents are as follows.

1) Article 13 of the Terms and Conditions: "Hospitalization" in this special agreement refers to the case where a doctor is deemed to require medical treatment due to a serious adult specific disease (as a result, referring to concentrate on medical treatment under the control of the doctor). 2) Article 15 of the Terms and Conditions of the contract: The company shall pay insurance money (in 120 days) for more than three days and 1.50,000 won per day (in 120 days) where the insured was hospitalized for at least four days directly for the purpose of the treatment after the commencement date of the guarantee of the insurance period, and the insurance money (in 120 days) for more than 30 days per day (90 days per day) where the insured was hospitalized for at least 31 days for the direct purpose of the treatment after the commencement date of the guarantee of the insurance period.

B. On June 30, 2006, the Plaintiff suffered from cerebral cerebral cerebral cerebral cerebral cerebral cerebral cerebral cerebral cerebral cerebral Organisms, undergone surgery at that time, and was discharged on June 2008 after hospital treatment

C. Since then, the Plaintiff received hospitalized treatment on the ground of the symptoms of hydro-cerebrovascular during the winter season (11-3 months), and B received insurance money from the Defendant each year from 2008 to 2013 under Article 15 of the terms and conditions of the instant insurance contract.

In other words, the Plaintiff was hospitalized for 131 days (hereinafter “the first hospitalization”) from November 18, 2014 to March 28, 2015 on the ground of the symptoms of hydro-cerebrovascular surgery, and was hospitalized for 129 days from November 12, 2015 to March 19, 2016 (hereinafter “the second hospitalization”).

E. B On July 3, 2017, the Plaintiff was hospitalized in the first and second hospitalization according to the instant insurance contract.

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