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1. The Defendant: (a) KRW 10 million for each of the Plaintiffs, as well as 5% per annum from December 5, 2015 to September 21, 2016; and (b).
Reasons
1. Basic facts
A. (1) On November 15, 2013, Plaintiff A entered into an insurance contract with the Defendant for the term of insurance from November 15, 2013 to November 15, 2065, including a special agreement on general injury inflicted upon the insured and the beneficiary Plaintiff A (insurance amounting to KRW 100 million) (hereinafter “instant insurance contract”).
(2) On June 18, 2014, Plaintiff B entered into an insurance contract with the Defendant and the insured from June 18, 2014 to June 18, 2065, with the Plaintiff as the Plaintiff A and the beneficiary B, and entered into an agreement with the Plaintiff, the insured, and the beneficiary B, on the basis of a general injury and injury damage (less than 80% of the purchase amount), including a special agreement (amounting to KRW 100 million) (i.e., the purchase amount).
(hereinafter “instant secondary insurance contract”). B.
The terms and conditions of the insurance contract of this case concerning the general injury after the injury of the first insurance contract of this case and the general injury after the injury of the second insurance contract of this case (less than 80%) are as follows:
1) Grounds for the payment of insurance proceeds: The defendant will pay the insurance proceeds agreed upon to the beneficiary when any of the following events occurs to the insured. If the payment rate set forth in the Disability Classification Schedule is less than 0% due to injury during the insurance period of this Special Terms and Conditions, the amount calculated by multiplying the amount of insurance coverage by the disability payment rate set forth in the Disability Classification Schedule shall be paid. (2) If the disability grade A is a state of disability falling short of 0% due to injury, the disability grade A refers to a state of damage to a permanent mental or physical body remaining after recovery of the injury or disease:
However, the main symptoms and combined symptoms of diseases and injuries and symptoms temporarily appearing in the course of treatment for them shall not be included in disabilities.
o. Provided, That where it is not permanently fixed symptoms, but the period of temporary disability appeared after the completion of treatment is at least five years, it shall be applicable.