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1. All of the plaintiffs' claims are dismissed.
2. The costs of lawsuit are assessed against the plaintiffs.
Reasons
1. Basic facts
A. The Defendant (competent: the post office) is an insurer that entered into a disaster relief insurance contract with the content that the deceased would pay KRW 30,000,000 of the insurance money (hereinafter “the instant insurance contract”) to the insured and the legal heir of the deceased as a beneficiary of the network D (hereinafter “the deceased”).
B. The plaintiff A is the husband of the deceased, and the plaintiff B and C are the children of the deceased.
C. On May 7, 2015, the Deceased died while taking a bath within a house-to-house bath located on the first floor of the Plaintiff B’s housing located in the U.S. Libyian City, Eljin-si.
(hereinafter “instant accident”). D.
The terms and conditions of the instant insurance contract relating to the instant case are as follows.
Article 12 (Types and Grounds for Payment of Insurance Money) (1) A communications agency shall pay the insurance money agreed upon to the beneficiary when any of the following events occurs to the insured during the period of insurance:
2. Insurance proceeds in ordinary daily death: The term "disaster listed in attached Table 2 (Disaster Classification Table 2)" means an accident resulting from a contingency (Provided, That where a person who has a disease or physical handicap and has caused a disease or a minor external factor, or the symptoms thereof worse, the minor external factor shall not be seen as an contingency accident) which is specified in the following classification:
16. Facts that there is no dispute over the non-performance of rights (based on recognition), Gap evidence 1, 2, and 3, and Eul evidence 1, and the purport of the whole pleadings;
2. The parties' assertion
A. The Plaintiffs died after being able to take advantage of their desire, and this constitutes an accident based on contingent ex officio factors as stipulated in the insurance contract of this case, and the Defendant is obligated to pay KRW 30,000,000 to the Plaintiffs, who are the inheritors of the Deceased.
B. The defendant deceased.