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(영문) 서울중앙지방법원 2015.01.15 2012가단288668
보험금
Text

1. As to each of the Plaintiffs’ KRW 24,886,50 and each of the said money, the Defendant shall pay to the Plaintiffs the year from March 22, 2012 to January 15, 2015.

Reasons

1. Basic facts

A. The parties concerned are the insurers who concluded an insurance contract with the deceased G (hereinafter “the deceased”), and the Plaintiffs are the heirs as the deceased’s children.

B. 1) On June 18, 2010, the Deceased concluded an insurance contract on June 18, 2010, where the Defendant and the Insured were to be the deceased and the beneficiary of death as legal heir and were killed in an injury accident, the insurance contract indicated in the attached list that the Defendant compensates (hereinafter “instant insurance contract”).

According to the terms and conditions of the instant insurance contract, 100 million won (hereinafter “the instant death insurance proceeds”) was determined when the sum payment rate of various physical parts is not less than 80% due to the same “disaster other than traffic accidents” in the same list of disability classification marks, or due to the same “disaster other than traffic accidents” in the same list of disability ratings.

2) Of the terms and conditions of the instant insurance contract, the part concerning the instant case is as follows.

Article 7 (Termination of Contracts) (2) of the General Insurance Terms and Conditions (hereinafter referred to as the "Terms and Conditions in this case") (hereinafter referred to as the "Terms and Conditions in this case")

Article 15 (Types and Grounds for Payment of Insurance Money) A company shall pay the insurance money agreed upon to a person who receives insurance money (beneficiary) (see attached Table 1 of the Standards for Payment of Insurance Money) when any of the following events occurs to a person subject to insurance (insured) during the insurance period:

5. When a person subject to insurance dies or becomes disabled by the same "disaster other than traffic disasters" in the attached Table 3 of the Disability Classification Table (attached Table 3) due to any "disaster other than traffic disasters" which occurred during the insurance period, the total rate of disability payments for the various physical parts is not less than 80%: Article 31 (Payment of Insurance Money, etc.) (1) of the General Disaster Death Insurance Money shall be the company.

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