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(영문) 서울중앙지방법원 2017.11.23 2017가단5105831
보험금
Text

1. All of the plaintiffs' claims are dismissed.

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

Reasons

1. Basic facts

A. On March 18, 2009, the deceased C (hereinafter “the deceased”) entered into the instant insurance contract and the Plaintiff’s status as us (hereinafter “instant insurance contract”). On March 18, 2009, the Defendant and the Defendant entered into a non-dividendd Health Partners Insurance Contract (hereinafter “instant insurance contract”).

According to the instant insurance contract, the Defendant would pay KRW 10 million of the basic insurance proceeds, and KRW 90 million of the special agreement insurance proceeds, respectively, in the event that the Deceased dies during the period from March 18, 2009 to March 18, 2071, which is the insurance period.

(2) The Plaintiff A is the deceased’s wife, and the Plaintiff B is the deceased’s children.

B. The main contents of the instant insurance contract are general terms and conditions applicable to the instant insurance contract and the main contents of the instant special terms and conditions for injury death are as follows.

(hereinafter the sum of these terms and conditions). [General Terms and Conditions] Article 14 (Compensation for Loss] 14 (Compensation for Loss) 1 The Company shall compensate for the loss resulting from the injury (hereinafter referred to as "damage") in accordance with the Terms and Conditions, if the insured suffered bodily injury (excluding bodily assistance equipment, such as acceptance, will, bill, and bill) due to a sudden and incidental accident during the insurance period (hereinafter referred to as "accident").

Article 15 (Compensation for Non-Compensation) (1) The Company shall not pay compensation for any loss arising from the following causes:

1. The intention of the insured;

3. Intention's intention;

4. Self-injury by the insured, suicide, attempted suicide, criminal acts under the Criminal Act or acts of violence (Provided, That self-defense under the Criminal Act, emergency evacuation, or legitimate acts shall be taken off after compensating for such acts);

6. In the event that the insured has suffered an injury due to an accident as prescribed in Article 14 and died within two years from the date of the accident as a result of the accident, the insured shall be placed under an insurance policy as stated in the insurance policy.

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