Kernrechtsfrage
Whether refusing to hear the insured orally violated the right to be heard.
Extrahierter Entscheid
No. The right to be heard under Art. 29(2) of the Constitution does not generally include a right to oral hearing, and written submissions were sufficient here.
Extrahierte Begründung
The insured could present her position in writing and even supplement her appeal after the respondent's reply. No special personal circumstances required an oral hearing.