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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. .
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. .
�long delays can put people under incredible stress at an already difficult time and could also mean that someone�s health could take a turn for the worse. .
written reports, including local media accounts, professional medical papers and internal emails were also examined. .