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1. The plaintiff's claim is dismissed.
2. The costs of lawsuit shall be borne by the Plaintiff.
Reasons
1. Basic facts
A. The Plaintiff concluded each insurance contract with the Defendant as listed in the following table.
On October 21, 201, 201, the details of the guarantee of the beneficiary of the insured who is named insurance contract (mortgaged) No. 1 insurance period of the insured on October 21, 201, 201, the Non-dividend LIG YOU YOP Health Insurance from October 21, 201 to October 21, 2088 (Life Insurance) at the time of the Plaintiff’s death, the statutory heir / / the payment rate of disability in the event of disability less than 80% for the Plaintiff’s general injury other than death 】 (140,000,000) 2 insurance amount on September 14, 2012, the insurance amount (140,000) No. 2 insurance policy (140,000,000) No. 2 insurance amount (140,000,000,000 won) insurance amount (10,000,000 won).
B. The terms and conditions of each of the above insurance related to the instant case are as follows.
[No. 1 Insurance Terms and Conditions] Article 15 (Types and Grounds for Payment of Insurance Money) A company shall pay an amount calculated by multiplying the amount of insurance coverage by the rate of disability payment prescribed in the Disability Classification Table (see Disability Classification Table), if the insured status becomes a disability equivalent to the rate of disability payment less than 80% prescribed in the Disability Classification Table (referring to the Disability Classification Table) due to an injury (referring to a sudden and remote accident that occurred during the insurance period), during the insurance period.
Article 17 (Reasons for Not Payment of Insurance Proceeds) (1) A company shall not prevent insurance proceeds when any of the following events occurs:
1. Intentional intent of the insured: Provided, That where the insured has impaired himself/herself in a state that he/she cannot make a free decision due to mental disorder, etc., he/she shall pay insurance proceeds;
[2] Article 15 (Types and Grounds for Payment of Insurance Money) The Company shall be a beneficiary (person receiving the insurance money) when any of the following events occurs to the insured (person subject to insurance).