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    “contrary to public belief, the majority of claims are paid out and scottish widows should be proud of how many families they helped during such challenging times.” . .

    shocking figures uncovered by labour show some patients are suffering agonising waits of as many as 541 days to begin treatment .

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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. .