Questione giuridica chiave
Whether the insurer violated the insured's right to be heard by not giving him the internal medical opinions for comment before the decision.
Decisione estratta
Any defect was at most minor and was cured in the court proceedings; no remittal was required.
Motivazione estratta
The medical opinions only commented on existing records; the insured could address them in the appeal, and the cantonal court had full review powers, making a cure possible.