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(영문) 서울중앙지방법원 2018.09.11 2018가단5031210
보험금
Text

1. All of the plaintiffs' claims are dismissed.

2. The costs of lawsuit are assessed against the plaintiffs.

Reasons

1. Amount of insurance coverage for basic facts, amount to be subscribed to as security for the payment period [Special Terms and Conditions] 4. Injury and death 100,000 for the payment period of 20 years old and under 100 years old;

A. On May 20, 2014, C entered into an insurance contract with the Defendant with the content that the insured is the principal and the beneficiary as either the principal or his/her legal heir to receive insurance proceeds for the death or a certain disability of the insured (the insurance period: from May 20, 2014 to May 20, 2068; hereinafter “instant insurance contract”). Of the content of the insurance contract of the instant insurance contract, the part on death or injury is as follows.

B. The main contents of the terms of the instant insurance contract are as follows.

Section A. Payment of Insurance Money to Section B of the General Terms and Conditions

5. (Grounds for Not Payment of Insurance Money) The Company shall not pay Insurance Money when any of the following events occurs to cause the payment of Insurance Money:

(1) The insured has intentionally impaired himself/herself: Provided, That he/she shall be paid insurance proceeds when the insured has impaired himself/herself under the condition that it is unable to make a free decision due to mental disorder,

Section 2. Chapter 1 of the Special Terms and Conditions 1-1. Injury Death (Surging) Special Terms and Conditions

1. (Grounds for Payment of Insurance Money) If the insured stated in an insurance policy dies as a direct result of an injury during the insurance period of this Special Terms and Conditions, the company shall pay the amount of insurance coverage as the injury or death insurance amount;

4. (Provisions Applicable Mutatis Mutandis) Unspecified matters in this Special Terms and Conditions shall be at the risk of complying with the General Terms and Conditions.

(Sicker omitted)

C. At around 13:33, Apr. 18, 2017, C was lowered from the bus stops near the residential area and was missing after the CCTV was confirmed as a crime prevention CCTV. On April 22, 2017, at around 14:30, at the same time, C sells a thring of the fibers of fibers to trees.

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