(영문) 서울중앙지방법원 2017.05.11 2015가단5310608

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(영문) 서울중앙지방법원 2017.05.11 2015가단5310608

보험금

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1. The plaintiff's claim is dismissed.

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

Reasons

1. Basic facts

A. On March 18, 2009, a male passenger transport company concluded a collective insurance contract between the Defendant and the deceased, with the heir, with the insurance period from March 18, 2009 to March 18, 2019, with the insurance proceeds from March 18, 2009, with the insurance proceeds from March 18, 2009 to March 18, 2019, with the insurance proceeds from non-corporate security franchise insurance amounting to KRW 37,50,000,000.

(hereinafter “instant insurance contract”). (b)

The main contents of the terms of the instant insurance contract are as follows.

Article 19 (Types and Grounds for Payment of Insurance Money) of the Samsung Life-Free Distribution Business Guarantee Franchise Insurance (3.1) The Company shall pay the insurance money agreed upon to the person who receives the insurance money (beneficiary) when any of the following events occurs to the person who receives the insurance (insured) during the insurance period:

2. When a person subject to insurance dies due to a disaster during the insurance period: Article 21 (Insurance Accidents for which no Insurance Money is to be Paid) (1) of the Insurance Money for Death in a disaster (the Insurance Accidents for which no Insurance Money is to be paid) may terminate this contract simultaneously with the failure to pay the insurance money or exempt the payment of the insurance premium if any of the following events occurs:

1. Where an insured person intentionally damages himself/herself, but it shall not be proved that he/she has impaired himself/herself in a state that the insured person is unable to make a free decision due to mental illness, etc.;

[Attachment 2] Disaster Classification Table

1. Any of the following disasters subject to coverage shall be paid insurance proceeds in accordance with the terms and conditions of this insurance:

(1) A contingency accident that falls under the Korean Standard Disease Disease Classification (S00~Y84).

2. Where an accident for which insurance proceeds are not paid falls under any of the following subparagraphs, insurance proceeds shall not be paid after being excluded from the Disaster Classification:

(2) The cause of an accident shall be as follows:

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