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. we have let patients down, admits senior northern ireland civil servant  .

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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now the country may face a fine of millions of euros after its dereliction was referred to the european court of justice (ecj), the guardian reports. .

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of the life claims declined, 0.85 per cent were due to mis-representation and 0.16 per cent due to the definition of terminal illness not being met.  .#1 in news, talk, and sports in los angeles and orange county .

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