The health questions must be answered correctly and completely to the best of your knowledge. In the event of inaccurate or incomplete information, we may withdraw from the contract or refuse to pay benefits.
The aforementioned application questions must be answered completely and correctly to the best of your knowledge. Please also indicate circumstances to which you attach only minor importance. Examples included in the questions are not a complete list, but are intended to illustrate the range of health issues asked.
If you breach your pre-contractual duty of disclosure, we are entitled under section 19 of the German Insurance Contract Act (VVG) to withdraw from, terminate or amend the contract, depending on your fault. This may lead to the complete loss of your insurance coverage and/or to our exemption from liability to pay, even retroactively for an insured event that has already occurred. Please refer to the explanations on the consequences of a breach of the pre-contractual duty of disclosure under „Notification in accordance with section 19 (5) VVG on the consequences of a breach of the statutory duty of disclosure“. Irrespective of this, we may also contest our decision to accept the contract in accordance with § 22 VVG in conjunction with § 123, 124 of the German Civil Code (BGB) if this decision was consciously and intentionally influenced by you as a result of incorrect or incomplete information (fraudulent misrepresentation). As a result, you will have no insurance coverage in this case.