. . december 2013 (11) . http://lm360.us/Hurdle-grandma-of-Diec-from-De-Hel?Donklenei=236 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. . ."their serious adverse incident process has been wholly inadequate and what we have heard this week is a damning indictment of the western trust. .news .