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1. The plaintiffs' claims are dismissed.
2. The costs of lawsuit are assessed against the plaintiffs.
Reasons
1. Basic facts
A. D (EE; hereinafter referred to as “the deceased”) was consulted with the F Center four times from February 5, 2016 to February 23, 2016 during the period when he/she was sent to Maula after he/she had been under his/her teaching system at around August 2015.
B. At around 12:10 on March 1, 2016, the Deceased was found to have died first in G accommodation located in Gangdong-gu Seoul Metropolitan Government.
(hereinafter “instant accident”). The deceased’s heir is a parent. The Plaintiffs are parents.
C. Meanwhile, H, the decedent of the deceased, entered into an I insurance contract between the Defendant and his heir to the deceased and the beneficiary of the death of an insurance with the term “80,000,000 won of the purchase of insurance,” and “from March 6, 2012 to March 6, 2086 of the insurance period,” which read as “I”.
(hereinafter “instant insurance contract”). D.
The main parts of the terms and conditions of the instant insurance contract relating to this case are as follows.
Article 1 (Types and Grounds for Payment of Insurance Money) The Company shall pay the insured (beneficiary) the insurance money agreed upon to the beneficiary when any of the following events occurs:
1. General injury insurance proceeds: Payment of the amount of insurance coverage of the special terms and conditions if a person dies as a direct result of an injury during the insurance period of the special terms and conditions (excluding physical auxiliary equipment, such as trees, artificial organs, artificial arms, artificial arms, bills, and artificial arms, but including cases where a person is transplanted and whose function is replaced by a physical transplant, such as artificial organs or parts;
(1) Article 3 (Reasons for Non-Payment of Insurance Money) (1) The Company shall not prevent insurance money when any of the following events occurs:
1. The intention of the insured person: Provided, That when the insured person has impaired himself/herself in a state that he/she is unable to make a free decision due to mental disorder, etc.;