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    experts say years of cuts to nhs budgets and staff has led to patients waiting longer for ­chemotherapy and radiotherapy. .

    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. .

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    however, bentley also warned that these treatments can be hazardous as they may cause bleeding which becomes more likely as the amount of svd increases. .