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 chipmuck and mice] come up close to peoples decks, yards, running around and that's the way the ticks can be invited in", she said..
the youngest claimant was aged 20, and the eldest aged 89, while the average policy duration at claim stage was 10 years...