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(영문) 광주지방법원목포지원 2019.04.03 2018가단52809
보험금
Text

1. The Defendant shall pay to the Plaintiff KRW 40,00,000 and the interest rate of KRW 15% per annum from June 15, 2018 to the day of full payment.

Reasons

1. Basic facts

A. The Plaintiff is a contractor of the D insurance contract with the following contents (hereinafter “instant insurance contract”). The beneficiary of the instant insurance contract is “injury” E, and “Death” is the Plaintiff.

The date of the contract: Insured on December 14, 2009: Injury of the beneficiary E: Death of the beneficiary - Amount covered by the Plaintiff: ① Main Insurance: 60,000,000 won (hereinafter referred to as the “instant prime contract”) 2: 40,000 won: (hereinafter referred to as the “instant special agreement”) under the special agreement for non-dividend accident III (hereinafter referred to as the “instant non-dividend accident”). (40,000,000 won: 10,000 won: (4) the special agreement for non-dividend accident injury II (10,000,000) under the special agreement for non-dividend accident (30,000,000), and (30,000 won (30,000,000) under the non-dividend special agreement for non-dividend accident.

B. Article 15 (Types and Grounds for Payment of Insurance Money) of the instant prime contract provides, “The Company shall pay the death insurance money (see attached Table 1) agreed upon to the beneficiary (person receiving the insurance money) in the event that the insured (person subject to insurance) dies during the insurance period (life) or is in a state of disability not less than 80% in addition to the rate of disability payment for the same kind of accident (as shown in attached Table 2; hereinafter the same shall apply) or for the same reason other than a disaster.”

(2) Article 11 (Types and Grounds for Payment of Insurance Money) provides that “The Company shall pay 100% of the subscription amount of the special contract to the beneficiary (person receiving the insurance money) where the insured (person subject to insurance) dies during the insurance period of this special agreement or where the same accident (referring to the accident prescribed in attached Table 1; hereinafter the same shall apply) or disability payment rate for the same reason other than disaster is at least 80% in addition to the disability payment rate for various physical parts in the same reason.”

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