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No pain no claim

Chronic pain can be debilitating for sufferers, yet all too often there is no obvious cause or external symptoms, making it difficult to differentiate between a genuine claim and a malingerer. So, how do insurers go about tackling such a complex claim?

Chronic pain now affects one in seven people in the UK and accounts for 500 million lost working days every year across Europe - costing the economy at least EUR34bn. Against this backdrop, claims for

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