of the life claims declined, 0.85 per cent were due to mis-representation and 0.16 per cent due to the definition of terminal illness not being met.
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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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�we have waited a long time and we cannot possibly wait any longer.�
.. a little under 60% of these encounters resulted in hospitalization and of these, about 13% required intensive care.
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