1. Of the judgment of the first instance, the part against the plaintiff corresponding to the amount ordered to be paid under the following paragraph (2) shall be revoked.

2...

1. Facts of recognition;

A. On December 4, 1998, the Plaintiff entered into a non-dividend D insurance contract (hereinafter “instant insurance contract”) with the Defendant and the insured, an insurance company, and the beneficiary at the time of death, to pay KRW 50,000,000 to the Plaintiff and the beneficiary at the time of death, in addition to KRW 40,000,000,000,000,000,000 as of the pertinent day when the cause for payment occurred during the 36-month period from

B. At around 23:00 on July 22, 2016, the Deceased died in a state where telegraph was locked with hot water from the desire to care for the E building F of the building at king (hereinafter “instant accident”).

C. The terms of the instant insurance contract relating to the instant case are as follows.

Article 11 (Grounds for Payment of Insurance Money) (1) A company shall pay insurance money agreed upon to a beneficiary (see attached Table 2, e.g., attached hereto) to the beneficiary when any of the following events occurs:

4. Where the insured dies due to a disaster other than that prescribed in attached Table 4 (Traffic Classification Table 4) that occurred on the ordinary day specified in Article 9 (Definition of “Holidays” and “day” during the insurance period: The term “accident 65-Wing-W74 disaster” refers to an accident that occurs due to a contingency (Provided, That if a person who has a disease or physical handicap and has caused a minor external factor or whose symptoms are aggravated due to a minor external factor, the minor external factor shall not be considered as a contingency accident) and is in accordance with the Korean Standard Disease Classification Table;

[Ground of recognition] Facts without dispute, Gap evidence Nos. 1 through 3, Eul evidence Nos. 1 and 2, the purport of the whole pleadings

2. Determination on the cause of the claim

A. Under the relevant insurance contract of this case, the term “foreign accidents” was caused by external factors, not due to the physical defects of the insured, i.e., illness or physical physical factors.