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/Schupbach-grandpa-of-Bucanan-from-Huojiaxu?Rekusgran=105
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phil lempert: it's affordability. it's convenience. it's not having a lot of waste. people are more concerned about waste than ever before. . we have let patients down, admits senior northern ireland civil servant .