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1. The Defendant’s KRW 100,000,000 as well as 5% per annum from November 17, 2015 to January 19, 2016 to the Plaintiff.
Reasons
1. Basic facts
A. The Plaintiff is a child of Nonparty B (hereinafter “the deceased”), and the Defendant is an insurance company.
B. On February 29, 2012, the Deceased entered into an insurance contract with the Defendant, the Insured entered into a contract with the Plaintiff, the beneficiary, and the amount of the death insurance amount of KRW 100,000 (hereinafter “instant insurance contract”). The main provisions of the terms of the said insurance contract are as follows:
In Sub-Section 3, the Company shall pay the death insurance (referring to the "Insurance Payment Schedule" in attached Table 1) to the beneficiary (person receiving the insurance) if the insured (person receiving the insurance) dies during the insurance period (life).
(Attached Table 1) If the insured subject to the payment of insurance money (Article 15 of the Terms and Conditions) dies during the insurance period (any insured person) - Basic insurance money - X105% of the accumulated amount on the day corresponding to the immediately preceding month contract - the policyholder or the insured (the insured person) by fraud of Article 25 of the insurance premium already paid has passed the examination procedure by proxy diagnosis, drug taking advantage of drugs, has been diagnosed by diagnosis before the date of the above alteration or subscription, and if the company proves that the contract has been concluded by obvious fraud, such as hiding and subscription, it may cancel the contract within five years (within one month from the date of knowing the fraudulent fact) from the date of the commencement of the guarantee.
C. (1) The Deceased was discovered around October 7, 2001 when the occurrence of an insured event occurred before and after the conclusion of the insurance contract and around the time of the occurrence of the insurance accident, and was done by livering agents and wing agents around October 16, 2001.
(2) When concluding the instant insurance contract, the following is conducted through a medical examination or examination by the doctor of the following 11 diseases within the last five years.