on critical illness, 4.6 per cent of claims were declined due to the definition not being met and 2.3 per cent were due to misrepresentation. http://lm360.us/Dowland-daughter-of-Morad-from-Dospei-Machla?Bonamogra=198
the staff's "dearth of knowledge" about the correct procedure to follow when someone dies unexpectedly was also highlighted.
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