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1. The plaintiffs' claims against the defendant are all dismissed.
2. The costs of lawsuit are assessed against the plaintiffs.
Reasons
1. Basic facts
A. On April 28, 2009, Plaintiff B entered into an insurance policy for the Defendant and the insured from April 28, 2009 to April 28, 209, based on the basic death benefit of KRW 10,000,000, general injury-backed disability after death, KRW 50,000,000, and non-payment of dividends to the beneficiary as legal heir at the time of death (hereinafter “instant contract”).
B. The main contents set out in the insurance clauses incorporated into the instant contract are as follows.
Article 15 (Compensation for Loss) (1) If an insured company (beneficiary) has suffered an injury to its body (excluding bodily assistance equipment, such as artificial arms, legs, bills, and clothing) due to any sudden and incidental accident (hereinafter referred to as the "accident"), during the insurance period, the company shall compensate for the damage resulting from the injury (hereinafter referred to as "damage") in accordance with the terms and conditions of this Agreement.
Article 16 (Compensation for Non-Compensation) (1) The Company shall not pay compensation for any loss arising from the following causes:
1. The intention of the insured;
4. Self-injury by the insured, suicide, attempted suicide, criminal act under the Criminal Act or act of violence (Provided, That if it is recognized as self-defense under the Criminal Act, emergency evacuation, or legitimate act, compensation shall be made for it);
6. The insured's loss or mental loss Article 17 (Insurance Money for Death) (1) If the insured was injured by an accident as prescribed in Article 15 (Compensation for Loss) and died as a result of his/her direct result within two years from the date of the accident, the company shall pay the amount of insurance coverage stated in the insurance policy as the insurance money for death to the beneficiary.
C. On May 6, 2013, C sent at around 15:13 on October 7, 2013, when he/she was on duty in the Integrated Distribution Complex, and was on duty in the Integrated Distribution Complex, C died as brain-dead around 15:32 on the same day after he/she sent trees at around 15:13 on October 7, 2013.
(c).