2016 Ghana 310455 Insurance proceeds

1. A;

2. B

3. C

Samsung Fire Insurance Co., Ltd.

March 17, 2017

May 19, 2017

1. All of the plaintiffs' claims are dismissed.

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

The defendant shall pay to the plaintiff A, B, and C 63,33,34 won and each of the above amounts at the rate of 6% per annum from March 20, 2015 to the service date of a copy of the complaint of this case, and 15% per annum from the next day to the day of complete payment.

1. Facts of recognition;

A. The network D(hereinafter referred to as “the network”) entered into a total of four insurance contracts (hereinafter referred to as “each of the instant insurance contracts”) with the Defendant as follows:

(1) (Undividend) Consolidated Insurance NAW 100 (1404): E* Insurance Period: from May 21, 2014 to May 21, 2061: D* Insured: Legal heir*: 10,000,000 for death under special agreement * 60,000 for 70 years of age: 50,000 for 10,000 for 30: 30,000 for 30,000 for 10,000 for 30,000 for 30,000: 30,000 for 20,000 for 30,000,000 for 30,000,000 for 30,000,000,000 for * (20,000,0000 for 30,000,0000 for 10,0000) for *

B. "Grounds for the payment of insurance money" and "reasons for the payment of insurance money" under the terms and conditions of each of the instant insurance contracts are as follows.

(1) (무배당) 통합보험NEW수퍼플러스(1404) 라이프+제3조 (보험금의 지급사유)회사는 피보험자에게 다음 중 어느 하나의 사유가 발생한 경우에는 보험수익자에게 약정한 보험금을 지급합니다.1. 보험기간 중에 상해의 직접결과로써 사망한 경우(질병으로 인한 사망은 제외합니다) 보험증권에 기재된 보험가입금액을 사망보험금으로 보험수익자에게 지급합니다.제5조(보험금을 지급하지 않는 사유)① 회사는 다음 중 어느 한 가지로 보험금 지급사유가 발생한 때에는보험금을 지급하지 않습니다.1. 피보험자가 고의로 자신을 해친 경우, 다만, 피보험자가 심신상실등으로 자유로운 의사결정을 할 수 없는 상태에서 자신을 해친 경우에는보험금의 지급사유에서 정한 해당 보험금을 지급합니다.(2) (무배당) 건강보험새시대 건강파트너(0910.1)제3조 (보험금의 지급사유)회사는 피보험자에게 다음 중 어느 하나의 사유가 발생한 경우에는 보험수익자에게 약정한 보험금을 지급합니다.1. 보험기간 중에 상해의 직접결과로써 사망한 경우(질병으로 인한 사망은 제외합니다) 보험증권에 기재된 보험가입금액을 사망보험금으로 보험수익자에게 지급합니다.제5조(보험금을 지급하지 않는 사유)① 회사는 다음 중 어느 한 가지로 보험금 지급사유가 발생한 때에는보험금을 지급하지 않습니다.1. 피보험자가 고의로 자신을 해친 경우. 다만, 피보험자가 심신상실등으로 자유로운 의사결정을 할 수 없는 상태에서 자신을 해친 경우에는보험금의 지급사유에서 정한 해당 보험금을 지급합니다.(3) (무배당)암보험 유비무암(1305.1) 15년만기형제3조 (보험금의 지급사유)④ 회사는 피보험자가 보험기간 중에 상해의 직접결과로써 사망한 경우(질병으로 인한 사망은 제외합니다) 보험증권에 기재된 상해사망 계약의 보험가입금액을 사망보험금으로 보험수익자에게 지급합니다.제8조 (보험금을 지급하지 않는 사유)① 회사는 다음 중 어느 한 가지로 제3조(보험금의 지급사유) 제4항에서 정한 보험금 지급사유가 발생한 때에는 보험금을 지급하지 않습니다.1. 피보험자가 고의로 자신을 해친 경우. 다만, 피보험자가 심신상실등으로 자유로운 의사결정을 할 수 없는 상태에서 자신을 해친 경우에는보험금의 지급사유에서 정한 해당 보험금을 지급하거나, 보험료 납입을면제합니다.(4) (무배당)운전보험 나만의 파트너(1007.1) (연동형)1-1. 상해·교통상해 사망 및 고도후유장해 특별약관제1조 (보험금의 지급사유)① 회사는 피보험자가 보험증권에 기재된 이 특별약관의 보험기간(이하 「보험기간이라 합니다) 중에 다음 사항 중 어느 한 가지의 경우에해당되는 사유가 발생한 때에는 보험수익자에게 약정한 보험금을 지급합니다.1. 보험기간 중에 상해의 직접결과로써 사망한 경우(질병으로 인한 사망은 제외합니다) 보험증권에 기재된 보험가입금액을 상해사망보험금으로보험수익자에게 지급합니다.제3조 (보험금을 지급하지 않는 사유)① 회사는 다음 중 어느 한 가지로 보험금 지급사유가 발생한 때에는보험금을 지급하지 않습니다.1. 피보험자가 고의로 자신을 해친 경우. 다만, 피보험자가 심신상실등으로 자유로운 의사결정을 할 수 없는 상태에서 자신을 해친 경우에는보험금의 지급사유에서 정한 해당 보험금을 지급합니다.

C. On February 12, 2015, at around 12:00, the Deceased, a residence, integrated electric lines to gas pipes at the gas pipes at the 1st floor of the 1st floor of the Geum-gu, Busan, which is a residential area, and then sold the electric lines to the gas pipes at the 1st floor, and lost consciousness. On February 14, 2015, the Deceased was sent to the hospital by the 119 emergency squad and sent to the hospital upon receipt of a subsequent report, and was unable to recover the brain surgery, but was determined as brain death by the brain death determination committee, and died from recovery of organs, etc. under the Organs, etc. Transplant Act (hereinafter referred to as “the instant accident”).

D. The Deceased, at Kwon, received each treatment due to an unidentified alcohol disease on March 2, 2012; March 13, 2012; March 27, 2013; and due to the commencement and maintenance of the water surface on November 17, 2014; and from Linwon during several times from Oct. 1, 2014 to Jan. 6, 2015, the Deceased received treatment due to a physical disorder.

E. Meanwhile, the plaintiffs are the children of the deceased, and their wife M were separated from the deceased on or around 2009 due to severe alcoholic beverages of the deceased, and they were divorced from the deceased on or around 2012. The deceased was suffering from considerable cardiopulmonary pain while carrying out a self-reader project on or around August 2014. However, the body part of the deceased left before the deceased's death stated that "B, C, A: A, the body part of the body part of the deceased stated that "B, C: A, the body part of the deceased did not leave the age, and the body part of the deceased," and that "B, C: A, the body part of the deceased, before the deceased's death, may not know that the body part of the deceased "it is difficult to dick and bullying."

[Reasons for Recognition] Facts without dispute, Gap evidence 1-1-2, Gap evidence 2-1-4, Gap evidence 3-1, 2-3, Gap evidence 4-1, 2, 3, and Gap evidence 7, and the purport of the whole pleadings

2. The parties' assertion

A. The plaintiffs' assertion

1) The cause of the deceased’s death is brain fluoral surgery caused by shock, so it cannot be deemed that the deceased committed suicide. In addition, even if the cause of the deceased’s death was caused by suicide, it can be deemed that the deceased was in a state of exploitation at the time, and there was a state of treatment for the deceased due to an unidentified disorder, depression, etc., in light of the fact that the deceased’s death was caused by suicide, and that the deceased’s treatment was caused by an unidentified disorder, depression, etc., the accident in this case constitutes “the cause of payment for insurance money” under each of the instant insurance contracts.

2) Therefore, the defendant is liable to pay the plaintiffs, who are legal successors of the deceased, the insurance proceeds of each of the insurance contracts of this case [the total amount of KRW 190,00,000 [the total amount of KRW 150,000 + (1) + (2) KRW 10,000,000 + (3) + (2) KRW 20,000 + (4) + 10,000,000 + (4) + 10,000,000) x 1/3] and delay damages.

B. Defendant’s assertion

Even though the direct cause of death of the deceased was somewhat different from the forecast of the deceased, the accident of this case constitutes "the case where the insured intentionally damages himself/herself" under each insurance contract of this case, and in light of the circumstances where the deceased attempted suicide, the accident of this case cannot be viewed as "the case where the insured has damaged himself/herself in a situation where it is impossible for him/her to make a free decision due to a defect, etc." Therefore, the defendant is not liable to pay the insurance money to the plaintiffs under each insurance contract of this case.

3. Determination

A. According to the above facts of recognition, the deceased's attempt to commit suicide by sacriffing sash and sashing sacriff, etc., and died from sacratic safing, and thus, it is reasonable to view that the accident of this case constitutes "the case where the deceased intentionally injures himself," in light of the above circumstances that the deceased died, even if not by the intentional method.

B. Meanwhile, there is no evidence to support the Plaintiffs’ assertion that the deceased was in a state of exploitation at the time of the instant accident, and there is no evidence to support this. The above fact that the deceased was in a state of exploitation is likely to be deemed to have caused the instant accident in a state where the deceased could not make a free decision due to a mental disorder, etc. on the sole basis of alcohol disease, water surface commencement and maintenance disability (influence) with detailed unknown whereabouts of the deceased. There is no evidence to support this otherwise.

C. Ultimately, the accident of this case constitutes "reasons for not paying insurance money" under each insurance contract of this case. Thus, the plaintiffs' assertion is without merit without further review.

4. Conclusion

Therefore, all of the plaintiffs' claims are dismissed. It is so decided as per Disposition.

Judges Kim Sung-sung