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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olivia mitchell: i think so. i mean, fresh and local is, you know, what they say is - tends to be healthier. .
shocking figures uncovered by labour show some patients are suffering agonising waits of as many as 541 days to begin treatment .