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1. The defendant's appeal is dismissed.
2. The costs of appeal shall be borne by the Defendant.
Purport of claim and appeal
1..
Reasons
1. Facts of recognition;
A. The Plaintiff A is the spouse of the deceased D (the deceased on March 28, 2013 as a acute funeral; hereafter referred to as “the deceased”). The Plaintiff B and C are their children.
B. On July 28, 2008, the Deceased entered into an insurance contract with the Defendant with non-distribution profaccom agreement (long-term damage insurance), securities number E, payment period of 20 years, the Deceased, and the legal inheritor of the beneficiary of death.
C. Of the long-term damage insurance general terms applicable to the instant insurance contract, the provisions relating to the instant case are as follows.
5. (Modification of the Contents of Contract) The contractor may, with the approval of the company, modify:
In such cases, the consent shall be notified in writing or entered on the back of the insurance policy (insurance policy).
(4) A contractor or a beneficiary (hereinafter referred to as "beneficiary")
7. (Termination of Insurance Contracts) If the insured dies on any ground not specified in 14. (Damage to Guarantee) “The method of calculating the insurance premium and liability reserve” is to pay the legal liability reserve to the beneficiary at the time of the insured’s death, and the liability of the insured company is extinguished.
§ 14. (Damage to Guarantee) If the insured stated in the insurance policy (insurance Policy) has suffered bodily injury (other than physical assistance equipment, such as water, clothing, bill, doctor's duty, etc.) due to a sudden and incidental accident which happens during the insurance period, the Company shall guarantee the loss resulting from such injury in accordance with the terms and conditions of this Agreement.
The injury above includes addiction symptoms generated as a result of inhaled, absorption, or taking in, at the same time, of toxic gases or toxic substances.
However, the addiction symptoms generated as a result of the food poisoning and habitually inhaled, absorption, or intake are not included in this.
Article 29 (Designation of Beneficiary) Any contractor may designate a beneficiary.