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All of the plaintiffs' claims are dismissed.
The costs of lawsuit shall be borne by the plaintiffs.
Reasons
1. Basic facts
A. The plaintiff A is the spouse of the network D (hereinafter referred to as the "the deceased"), and the plaintiff B is the her mother's her mother.
B. The Deceased and the Defendant concluded each insurance contract with the Plaintiffs or the Plaintiff with the beneficiary at the time of the Deceased and the Deceased’s Death as indicated below.
(hereinafter referred to as "each insurance contract of this case". In the specific case, the term "each insurance contract of this case" is "the first and second insurance contracts of this case" according to the sequence below. On September 9, 2008, the term of insurance coverage of the beneficiary's insured on September 9, 2008 when the date of the contract is named as the date of the contract, the beneficiary's heir at the time of death due to an injury from September 9, 2008 to September 9, 2059, 6 million won on September 17, 2007, F. A. from September 17, 2007 to September 17, 2039, the company suffered bodily injury (hereinafter "injury") under Article 15 of the General Insurance Contract Clause of this case (hereinafter "Compensation") 15 billion won upon the death of the insured due to an injury to the accident of this case.
(2) The injury referred to in paragraph (1) shall include addiction symptoms generated as a result of the inhalement, absorption, or taking in of poisonous gases or toxic substances at the time of an incidental stage.
However, the addiction symptoms generated as a result of the food poisoning and habitually inhaled, absorption, or intake are not included in this.
Article 16 (Compensation for Non-Compensation) (1) The Company shall not pay compensation for any loss arising from the following causes:
5. The insured's disease Article 13 (Compensation for Loss) of the General Terms and Conditions of the Insurance Contract No. 2 (Compensation for Loss) ① The Insured's physical assistive equipment, such as the number, significance, agenda, doctor's duty, etc., is excluded as the insured's accident (hereinafter referred to as "accident") which is sudden and conclusive during the insurance period.
(c).