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..
elizabeth loder, md, professor of neurology, harvard medical school; chief, division of headache, brigham & women's hospital..
he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies..