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(영문) 서울중앙지방법원 2015.08.25 2014가단5310465
보험금
Text

1. The Defendant each of the Plaintiffs’ KRW 50,000,000, and 6% per annum from February 27, 2013 to December 9, 2014.

Reasons

1. Facts of recognition;

A. On May 22, 2008, Plaintiff A entered into a life insurance contract with Defendant and deceased C (hereinafter, the Deceased) as a beneficiary of the insured on May 22, 2008, by entering into a non-distribution Furcing 30 Nur social care contract as indicated in the attached list, where the insured is a statutory heir, and additionally, entered into a special agreement to pay KRW 100,000,000 to the inheritor in the event of the insured’s death due to a disaster (hereinafter, the instant special agreement).

B. At around 05:00 on February 5, 2013, the Deceased committed suicide by hanging trees in a Gemandong Park in Yangcheon-gu Seoul Metropolitan Government.

C. The plaintiffs are parents of the deceased and legal successors of the deceased.

The main contents of the terms of the instant special agreement are as follows.

Article 10 (Types and Grounds for Payment of Insurance Money) The Company shall pay 100% of the amount of insurance money covered by the special agreement to the person who receives the insurance money (beneficiary) in cases where the insured person (insured) dies due to a disaster (hereinafter referred to as a "disaster") prescribed in the Disaster Classification Table (See attached Table 1) during the insurance period of this special agreement or where the total disability payment rate of various parts of the same disaster under the same Table of Disability Classification (see attached Table 2) is not less than 80%.

Disaster Classification Table

1. Accidents that are subject to guarantee: ① Accidents that come to an contingent external accident falling under the Korean Standard Classification of Disease Patients (S00~Y84).

2. A disaster for which no insurance money is paid: (2) In the event that the cause of the accident is intentional, Article 12 (Insurance Accidents for which no insurance money is paid) ① The Company may terminate this special agreement at the same time as it does not pay insurance money or does not exempt the payment of the premium, in either of the following cases:

1. The insured has intentionally impaired himself/herself, but is a person to be insured;

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