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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. .

    alan knowles, managing director of cura financial services, said: “scottish widows are delivering on their word to customers by paying the majority of the claims they see.  . . taking ustekinumab�a biologic that targets a different aspect of the immune system," gelfand said. .

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