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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. .
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.he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies. .
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labour�s new study is based on freedom of information data from 95 english nhs trust.
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