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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. . .
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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. the latest figures mean that since january 2000, scottish widows has paid a total of £2.5bn in claims to more than 86,000 customers.
., looking for billing codes to identify emergency room visits, observation stays, and inpatient hospitalizations
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