1. (1) The lower court: (a) concluded the instant insurance contract with the Defendant; (b) pursuant to the insurance terms and conditions, the deceased was required to pay the instant death benefit to “in the event of death due to an acute and friendly accident on his/her body (except for death due to disease)”; (c) the deceased was diagnosed on October 13, 201 by 09: 14:45 on the same day to 16:15; (d) the deceased was unable to be considered as a patient room after 17:30 on the same day; (e) the deceased was measured with 190/100mH on the day; and (e) the deceased was found to have been unable to be considered as a patient room after 10:10 on the same day; (e) the deceased’s blood pressure was measured with 190/100m or more; and (e) the deceased’s early 10:5m diagnosis/g of H surgery was not recovered.