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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. .
richard lipton, md, director, montefiore headache center; edwin s. lowe professor and vice chairman of neurology, albert einstein college of medicine. .
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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