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1. The Defendant’s respective KRW 137,140,00 for each of the Plaintiffs, and 6% per annum from June 3, 2016 to March 15, 2017, respectively.
Reasons
1. Basic facts
A. The defendant is a juristic person whose purpose is insurance business that can be run in accordance with the Insurance Business Act and the relevant Acts and subordinate statutes, and the plaintiffs are parents of the network C and legal successors.
B. On December 23, 2015, the network C entered into the instant insurance contract with the Defendant, and concluded the following insurance contracts with the insured Party B and statutory inheritors as beneficiaries of the death insurance proceeds (hereinafter “instant insurance contract”).
The contractor’s name contract number Co., Ltd. (1509) Family Love Integrated Insurance Co., Ltd. (1509) for the major coverage of the insurance period of the insured, the contractor’s major coverage of the insured, and the amount of non-distribution insurance (1509) from December 23, 2015 to December 23, 2075 / [basic] Death of 300,000,000 won
C. Of the terms and conditions of the instant insurance contract, the main contents pertaining to this case are as follows.
In relation to the payment of insurance proceeds, the injury insurance proceeds shall not be paid when the injury occurred due to a minor external factor or the symptoms of the person who has a disease or physical or mental factor.
Article 2 (Definitions of Terms)
2. Terms related to the grounds for payment;
(a) Injury: He shall not inflict an injury on his body due to a sudden and incidental accident which happens during the period of insurance;
Article 3 (Grounds for Payment of Insurance Money) The defendant shall pay the insured insurance money agreed upon to the beneficiary in any of the following cases:
1. General injury insurance proceeds: Where a person dies as a direct result of an injury during the insurance period (excluding death due to a disease), Article 5 (Reasons for Not Payment of Insurance Money) (1) The defendant shall not pay insurance money when any of the following events occurs:
1. The insured has intentionally impaired himself/herself: Provided, That the insured has impaired himself/herself in a state that he/she is unable to make a free decision due to mental disorder, etc.;