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(영문) 광주고등법원 2017.11.01 2017나10519
보험금
Text

1. The plaintiff's appeal is dismissed.

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

The purport of the claim and appeal is the purport of the appeal.

Reasons

1. Basic facts

A. The content of the insurance contract and its guarantee 1) The plaintiff, B (the spouse of the plaintiff), and C (the mother of the plaintiff) shall be between December 30, 2008 and October 30, 2012, with the plaintiff as the insured and beneficiary as the plaintiff as the insured and beneficiary in attached Form 1 (hereinafter collectively referred to as the "instant insurance contract"), and the first day of the insurance period specified in attached Table 1 in the order of the conclusion of the insurance contract shall be the date of conclusion of the insurance contract.

under subsection (1) to (6) of this section.

The contents of the terms and conditions related to the coverage of the instant insurance contract are as shown in Attachment 2) Nos. 1 through 5 are as follows. The content of the disability classification table for the insured, owing to an injury caused by a traffic accident, are common to the instant insurance contract, as stated in Attachment 3.

If the remaining disability is at least 80% of the payment rate prescribed in the Act, the "amount of insurance coverage" shall be paid, and if the remaining disability is less than 80% of the payment rate, the "amount calculated by multiplying the amount of insurance coverage by the payment rate prescribed in the Disability Classification Table" shall be paid as insurance proceeds, and Article 6 insurance contracts shall, without such distinction, pay the "amount calculated by multiplying the amount of insurance coverage by the payment rate" as insurance proceeds.

On the other hand, the first insurance contract includes a special clause stipulating that "the amount of insurance coverage shall be paid every ten years in the case where the insured has a disability equivalent to at least 80% of the payment rate due to an injury caused by a traffic accident."

B. On December 9, 2012, the Plaintiff was faced with a traffic accident that is shocked on a snowway in the front of the office of the management of the State forest in Yong-gun, Young-gun, Young-gun, Young-gun, the National Health Center at the National Medical Center on December 11, 2012, and on January 18, 2013, the Plaintiff was provided with knee kne-man kne-man kne-man kne-man kne-man kne, the right side at the National University Hospital on January 18, 2013.

C. On December 26, 2012, the Plaintiff filed a claim for the primary insurance money and the payment of insurance money. The Plaintiff is a doctor of the National Medical Center.

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