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(영문) 부산지방법원동부지원 2016.01.29 2015가단211076
보험에관한 소송
Text

1. All of the plaintiffs' claims are dismissed.

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

Reasons

1. Facts of recognition;

A. The network D and the Plaintiff entered into each of the following insurance contracts with the Defendant Company (hereinafter “each of the instant insurance contracts”).

E F GH ID D D D D D D D D D A D A A

B. From September 7, 2009, the Deceased was receiving mental treatment due to alcohol dependence, depression, etc. from around 02:0 on September 1, 2013, the Deceased died of a balone at his/her own home room located within his/her own house on the balone.

C. The terms and conditions of each of the instant insurance contracts stipulate the following as the exemption provisions:

Article 14 [Types of and Grounds for Payment of Insurance Money] The Insurance Company shall pay the insurance money agreed upon to the beneficiary (see attached Table 1 "the Standard Table for Payment of Insurance Money") to the insured when any of the following causes occurs to the insured:

2. If the insured dies due to a disaster other than a traffic accident during the insurance period: Article 16 of the General Insurance Money for Death [Insurance Accidents for which no insurance money is paid] (1) The company may terminate this contract at the same time as it does not pay insurance money if any cause for the payment of insurance money occurs due to any of the following cases:

1. The insured has intentionally impaired himself/herself, but this shall not apply where the insured has impaired himself/herself with mental illness;

Article 8 [Grounds for Payment of Insurance Money] (1) The Company shall pay the insurance money or benefits agreed upon to the beneficiary (see attached Table 1, e.g., attached hereto) to the insured during the insurance period when any of the following events occurs to the insured:

5. When the insured status of disability of grade I in the table of classification of death or disability directly due to a disaster: Payment of the insurance proceeds for death of a disaster;

6. The insured person shall be in a state of disability of grade I in the table of death or disability classification due to reasons other than disaster or cancer.

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