Kernrechtsfrage
Whether the insurer committed a denial of justice by failing to issue a formal decision despite having sufficient information to decide.
Extrahierter Entscheid
Yes. The appeal was upheld because the insurer should have issued a formal decision and did not do so.
Extrahierte Begründung
An authority may not leave a matter undecided when it already has the elements needed to rule; the absence of a formal decision constitutes a denial of justice.