.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.. we have let patients down, admits senior northern ireland civil servant . the provider paid out on 7,469 life and 1,769 critical illness claims in the year, with men accounting for 59 per cent of life claims and 47 per cent of critical illness claims..her twins' cases were published, along with that of a third baby boy, in april in the.hammond makes brexit promise to financial services.