1. The plaintiff's claim is dismissed.

2. The costs of lawsuit shall be borne by the Plaintiff.

1. Facts of recognition;

A. On December 27, 2007, the Plaintiff entered into the main contract for the Defendant and the Insured, the beneficiary, the Plaintiff, and the due date, which is (free) No. Huncheon-FaCI insurance on December 27, 2106, and (free) a non-disaster death agreement.

(hereinafter “instant insurance contract”). (b)

According to the instant insurance contract, when the principal insured becomes a disability with at least 80% of the total disability payment rate for several physical parts due to the same cause other than the same disaster or accident in the same insurance period table, 65,000,000 won of insurance proceeds shall be paid, and when the principal insured becomes a disability with at least 80% of the total disability payment rate for several physical parts due to the same disaster during the insurance period period, 30,000,000 of insurance proceeds shall be additionally paid.

C. Under the terms and conditions of the instant insurance contract, the term "disaster" refers to a disaster stipulated in the disaster classification table. According to the disaster classification table, the disaster subject to guarantee refers to a contingency accident falling under the Korean Standard Disease Disease Death Classification (S0-Y84), and in the case of intentional self-harm, the insurance proceeds shall not be paid.

B around December 4, 2010, around 14:26, 2010, it was discovered at the bottom of the 10th school of Gangdong-gu Seoul Metropolitan Government Gangdong-dong.

E. On December 4, 2012, the Plaintiff claimed insurance proceeds under the instant insurance contract. The Defendant paid only KRW 65,000,000 of the insurance proceeds under the main contract on December 17, 2012, and did not pay the insurance proceeds under the special agreement for the death of a disaster.

[Ground of recognition] Facts without dispute, entry of Gap evidence 1 to 6, purport of the whole pleadings

2. Determination on the cause of the claim

(a)An accident which is covered by the relevant insurance contract is not intentional, but an accident which is caused by unexpected causes.