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자료유형
학술저널
저자정보
저널정보
한국경영법률학회 경영법률 경영법률 제25권 제2호
발행연도
2015.1
수록면
181 - 206 (26page)

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초록· 키워드

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In general, the insurer is indemnified in the case of suicide. But the life insurance terms allows the payment of insurance money in the case of suicide after 2 or 3 years. The arts of insurance money to pay is not clarified. Therefore there are disputes between the insurance company and consumer (and also consumer protection group). The problem is whether the insurance company should pay disaster death - insurance money or general death - insurance money. This is very difficult problem. The life insurance contract terms was not clear. By the way, the Financial Supervisory Service was involved. After April 2010, the contract terms was changed clearly. The Financial Supervisory Service has worried itself. But the Financial Supervisory Service has decided that the insurance company should pay disaster death - insurance money. But it can not be justified. The suicide is not disaster. The german insurance law(VVG)(§ 161) regulates that the insurance company should pat insurance money when the insured commit suicide after 3 years. The german scholars interpret that § 161 VVG should not be applied to accident insurance. That means that the suicide is not disaster. Therefore, we can also interpret that the insurance company should pay general death - insurance money in case of suicide. This paper has analysed the proceedings of this affair and domestic law and court decision situation. Furthermore, this paper has done the comparative legal study with german laws and interpretations on them. And then it has drawn the final results. The final results is that the suicide is not disaster and the insurance company should pay general death - insurance money in the case of suicide after 2 years.

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