Question juridique clé
Whether the insurer violated the insured's right to be heard by not giving him the internal medical opinions for comment before the decision.
Solution extraite
Any defect was at most minor and was cured in the court proceedings; no remittal was required.
Motifs extraits
The medical opinions only commented on existing records; the insured could address them in the appeal, and the cantonal court had full review powers, making a cure possible.