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1. All of the plaintiffs' claims are dismissed.
2. The costs of lawsuit are assessed against the plaintiffs.
Reasons
Basic Facts
The deceased D(hereinafter referred to as the “the deceased”) concluded each insurance contract with the Defendants with the content that the deceased would pay disaster death insurance to their heir when the deceased died due to a disaster as listed below:
(hereinafter “each of the instant insurance contracts”). The terms and conditions of each of the instant insurance contracts stipulate that when the insured dies due to a disaster set forth in the Disaster Classification Table during the insurance period, the insurance proceeds for death of a disaster shall be paid to the beneficiary. The main contents of the Disaster Classification Table are as follows.
disaster refers to an accident resulting from a contingent external factor (Provided, That if a person who has a disease or a physical handicap suffers from a minor external factor or whose symptoms worsen further, the minor external factor shall not be deemed a contingent external accident), which is classified in the following table:
This classification is based on the Korean Standard Disease Identification Classification [No. 93-3 (Enforcement of January 1, 1995): Provided, That in the case of an insurance contract with the defendant Han Korean Life Insurance on November 22, 2005, it is based on the Statistics Korea’s Notification No. 2002-1 (Enforcement of January 1, 2003). However, the content is almost the same as the above No. 993-3. The content is as follows. It is due to the “outstanding of disease or death” in the 13th fall ( beyond W18th and above, W19 detailed fall) 17. Other exposure to the nature of 22.14. Other exposure to the patient’s respiratory force (in excess of W84’s respiratory force), other unknown exposure to X-58’s disease or other unknown factors (out of disaster exposure and internal and external Y6’s internal and external treatment and treatment of the patient’s disease, exposure to external and external treatment and treatment factors (out of 500 and 9.59.6).5.