"we were quite surprised to find there were no significant differences," says study author .
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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"we were quite surprised to find there were no significant differences," says study author .
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. .