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.scott cadger, head of underwriting and claims strategy at scottish widows, said the industry needed to do more to educate the public on the merits of protection insurance.. staff had moved mrs cavanagh's body before a doctor had pronounced her dead and before informing the coroner's office.. eng "their serious adverse incident process has been wholly inadequate and what we have heard this week is a damning indictment of the western trust.. he described the failure to send the patient for a ct scan on her hip as another "missed opportunity"..
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