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for the next several days, with relatives keeping a constant vigil, robert held the hand of his wife, who was hooked up to an iv and lethargic from pain medication. .
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. .
the statistics i�m quoting reveal a problem on the level of a tsunami sweeping across the whole of america and europe. .