Questione giuridica chiave
Whether the right to be heard was violated by the use of supplementary medical and household assessment reports without prior comment opportunity.
Decisione estratta
The right to be heard was violated because the insured should have been allowed to comment on the newly obtained expert opinion that materially influenced the decision.
Motivazione estratta
The later procedural defect was cured on appeal because the court had full cognition, the parties had been heard, and a remittal would have been a pointless delay.