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(영문) 서울중앙지방법원 2015.04.29 2013가단311725
보험금
Text

1. The plaintiff's claim is dismissed.

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

Reasons

1. Facts of recognition;

A. On December 12, 1991, the Plaintiff entered into a maturity refund type (hereinafter “instant insurance contract”) agreement with the Defendant (alternative life insurance company, etc.) as follows (hereinafter “instant insurance contract”).

(1) The expiration date of the insurance period: on December 12, 2011 (20 years of the insurance period : December 3, 1996, the main coverage of the Plaintiff (spouse at the time of death) and the beneficiary: on December 3, 1996, the main coverage of the Plaintiff (spouse at the time of death): on December 12, 201, the amount of cancer nursing benefits for the first cancer after the commencement date of liability, which is diagnosed and confirmed as the first cancer after the commencement date of liability, and 3 million won per operation at the time of the operation: on January 1, 201, the amount of cancer nursing benefits for the first cancer after the commencement date of liability of the insured, which is diagnosed and confirmed as the first cancer after the commencement date of liability of the insured, and 100,000 won per day after the commencement date of the first cancer care insurance period, which becomes final and conclusive after the commencement date of the insurance period of 100,000 won or more per day when the insured is hospitalized.

B. Article 2(2) of the Terms and Conditions of the instant insurance contract (hereinafter “the instant insurance contract”) provides that “The determination of cancer shall be made by a person who holds a professional doctor’s license of the piracy or clinical pathology, and this diagnosis shall be based on the present opinion on the organization or blood test. However, if it is not possible to conduct the said medical diagnosis, the clinical diagnosis of cancer is recognized as evidence of cancer. In this case, the insured shall have documentary evidence or evidence proving that he is receiving the diagnosis or treatment by cancer,” and Article 4 of the Clause of the Dental Life Insurance provides that “The insurance period of this Agreement is equal to the insurance period of the main contract.”

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