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(영문) 광주지방법원 2017.10.31 2017가단507422
보험금
Text

1. The plaintiff's claim is dismissed.

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

Reasons

1. Basic facts

A. The conclusion of an insurance contract and its content 1) the network B (hereinafter “the network”).

(C) On January 5, 2005, the Defendant and the Defendant are the insured himself, and upon death, the beneficiary is designated as the Plaintiff, and the beneficiary is a non-payment of the amount of death insurance premium of KRW 60,000,000 (CI) and is subject to the CI life insurance contract (hereinafter “principal contract”).

(C) A special agreement for the death of a disaster (hereinafter referred to as “special agreement”) which provides for the amount of 50,000,000 won for the death of a disaster;

(2) The main contents of the prime contract are as follows.

Article 22 [Types and Grounds for Payment of Insurance Money] If a cause falling under any of the following subparagraphs occurs to the insured, the Company shall pay the insurance money agreed upon to the beneficiary (see attached Table 1 of the Standard Table for Payment of Insurance Money):

1. When the insured dies during the insurance period or becomes disabled by class 1 in the table of disability classification: Article 24 of the Death Insurance Money [Insurance Accidents for which no insurance money is paid] (1) The Company may terminate this contract at the same time with no exemption from insurance money or from the payment of insurance money when any cause for the payment of insurance money occurs due to any of the following cases:

1. Where the insured has intentionally impaired himself/herself, however, this shall not apply where the insured has impaired himself/herself in a state of mental illness and where he/she has committed suicide after two years have passed from the date of commencement of liability (in cases of an inevitable contract, the date of reinstatement order) and thereby has become a state of disability of Grade I due to himself/herself

3) The main contents of the terms and conditions of the special agreement are as follows: Article 9 [Types of and Grounds for Payment of Insurance Money] Company shall be subject to the insurance period of this special agreement, as provided for in the Disaster Classification Table (See attached Table 1) (hereinafter referred to as

When an insured person dies due to his/her death or has become a disability of class 1 in the attached Table 2.

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