.treatment delays are also causing needless anxiety and distress to patients as well as putting lives at serious risk (file pic)
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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.
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scott cadger, head of underwriting and claims strategy at scottish widows, said the industry needed to do more to educate the public on the merits of protection insurance.
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