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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...

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..

�now we know the astonishing truth that some patients are waiting a year or more just to get treatment. it�s simply not good enough.�.

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