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"their serious adverse incident process has been wholly inadequate and what we have heard this week is a damning indictment of the western trust. .
![](/s.abcnews.com/images/health/wireap_8ae9f44d11f4476585bad0eaf84c9d62_16x9_240.jpg)
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. .