Kernrechtsfrage
Whether the insurer violated the insured's right to be heard by using the external medical report without proper objection proceedings.
Extrahierter Entscheid
No violation was established because the insured did not immediately raise any challenge against the expert once the alleged ground became known.
Extrahierte Begründung
A party who does not promptly object to a perceived bias of an expert after learning of it forfeits later reliance on that procedural guarantee.