Kernrechtsfrage
Whether the insurer violated the right to be heard by not clarifying the appellant's alleged lack of capacity in the objection decision.
Extrahierter Entscheid
The court left open whether a formal hearing violation occurred, because the merits had to be revisited anyway and the record was insufficient.
Extrahierte Begründung
The objection procedure did not require a prior hearing, but the authority still had to investigate the decisive facts. The alleged incapacity was raised, yet not properly clarified.