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![cult](/3dwnh01icn0h133s00sokwo1-wpengine.netdna-ssl.com/wp-content/uploads/2018/05/cult-120x90.png)
![](#sarah-huckabee-sander-john-bolton-sh-ml-180516_hpmain_16x9t_240.jpg)
![](/timesofindia.indiatimes.com/toiitpic/2658/images/9/56046c7fd82d45bfeae42af12af883ee_0.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. .