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General Conditions
Contents:
Purpose and cover of the policy ( A. Object of the insurance / B. Basic cover of the policy / C. Additional covers of the policy [
1. Accidental death / 2. Death due to a road-traffic accident / 3. Permanent total disability / 4. Permanent total disability due to an accident / 5. Permanent total disability due to a road-traffic accident / 6. Serious illnesses ( Heart attack / Coronary artery (by-pass) surgery / Cerebrovascular accident (stroke) / Cancer /
Organ transplants / Kidney failure / Paralysis - paraplegia ) ] )
Excluded risks ( 2.1 Risks excluded from all cover / 2.2 Risks excluded from additional covers)
Policy benefit payments ( 1. Obligations in the event of a claim, claim for benefits or expiry of the policy ( Claims due to death / Claim due to disability / Claims for serious illnesses ) / 2. Payment of benefits / 3. Loss adjustment proceedings / 4. Limitation period )
Risk statement ( 1. Conditions of the agreement / 2. Statement of circumstances which affect risk / 3. Incontestability and misstatement of age / 4. Avoidance )
Effective date, duration and termination of the policy ( 1. Execution and inception of the policy / 2. Period of cover and generic grounds for cancellation )
Increase and decrease of risk ( 1. Notification in the event of an increase in risk / 2. Notification in the event of a decrease in risk )
Policy premiums ( 1. Payment of the premium / 2. Non-payment and suspension of cover / 3. Taxes and surcharges )
Beneficiaries of the policy ( 1. Designation and change of beneficiaries / 2. Assignment and pledge of the policy )
Notifications and duplicates of the policy ( 1. Notifications between the policyholder and the insurer / 2. Loss or destruction of the policy )
Indemnity clause ( Personal injuries clause / Summary of legal regulations ( 1. Covered extraordinary events / 2. Excluded risks /
3. Extension of coverage ) / Procedure for actions in the event of a claim covered by the "Insurance Compensation Consortium" )