Common use of Basis of the insurance Clause in Contracts

Basis of the insurance. 2.1 The information and statements provided by the policyholder and/or the insured to the insurer, including on the application form, medical questionnaire(s) and (issued) health certificate(s) and during medical examination(s), form the basis of the policy and are considered to form part of the policy. This information includes, but is not limited to, demographic information and information about lifestyle. The policyholder must inform the insurer, prior to taking out the insurance, of all facts of which he is or should have been aware and of which he knows or should have understood that the insurer's decision as to whether or not he is prepared to take out the insurance depends on, and if so, under what conditions, whether or not he can depend on it (statutory duty of disclosure). 2.2 The insurer reserves the right to ask for proof of the information provided before accepting the policy. However, if the policy has been accepted without such proof having been requested, or if it has been requested but has not been provided, the insurer reserves the right to request such evidence at any time in the future. If such proof is then requested and the policyholder and/or the insured is not able to provide proof of the information on which the insurer has relied, the insurer reserves the right to take the steps deemed appropriate by the insurer, taking into account the relevance of the information in question. Such steps can include cancellation of the insurance (with or without reimbursement of premiums) or reduction of cover. 2.3 If it appears that the statutory duty of disclosure has not been complied with, the insurer can cancel the insurance or change the insurance to an insurance policy, with or without retroactive effect, under conditions that are acceptable to the insurer with knowledge of the true state of affairs. 2.4 If it appears that the statutory duty of disclosure has not been complied with, no payment shall be due if the insurer would not have accepted the insurance if it had been aware of the actual facts. If a withheld event would have resulted in a higher contribution or a lower insured amount, the payment will be reduced proportionately. If a concealed event would have resulted in different conditions, only the payment that would have been included in the insurance contract based on the other conditions will be due. 2.5 During the term of the insurance, the policyholder can request an increase in the insured capital, an extension of the term of the insurance or a change in the pattern of purchase of the insured capital spread over the term of the insurance. Such an increase or extension of the insurance cover shall be subject to medical proof of insurability and a written justification to the insurer for the change in the insurance cover. Additionally, the insured person must be younger than 70 years of age at that time. The insurer is not obliged to accept the change. After receiving the relevant information, the insurer will confirm whether the change is accepted and communicate the conditions for acceptance of the insurance. By agreement between the parties, the insurer shall issue an addendum to the Policy confirming the policy change, the date of entry into force and the applicable conditions and premiums. 2.6 If the age of the insured has been incorrectly stated, the insured capital will be reduced to the amount that would have been insured for the premiums paid if the age had been correctly stated. 2.7 If the policy is lost, the insurer will issue a duplicate policy at the written request of the policyholder, after which no rights can be derived from the original policy.

Basis of the insurance. 2.1 The information and statements provided by the policyholder and/or the insured to the insurer, including on the application form, medical questionnaire(s) and (issued) health certificate(s) and during medical examination(s), form the basis of the policy and are considered to form part of the policy. This information includes, but is not limited to, demographic information and information about lifestyle. The policyholder must inform the insurer, prior to taking out the insurance, of all facts of which he is or should have been aware and of which he knows or should have understood that the insurer's decision as to whether or not he is prepared to take out the insurance depends on, and if so, under what conditions, whether or not he can depend on it (statutory duty of disclosure). 2.2 The insurer reserves the right to ask for proof of the information provided before accepting the policy. However, if the policy has been accepted without such proof having been requested, or if it has been requested but has not been provided, the insurer reserves the right to request such evidence at any time in the future. If such proof is then requested and the policyholder and/or the insured is not able to provide proof of the information on which the insurer has relied, the insurer reserves the right to take the steps deemed appropriate by the insurer, taking into account the relevance of the information in question. Such steps can include cancellation of the insurance (with or without reimbursement of premiums) or reduction of cover. 2.3 If it appears that the statutory duty of disclosure has not been complied with, the insurer can cancel the insurance or change the insurance to an insurance policy, with or without retroactive effect, under conditions that are acceptable to the insurer with knowledge of the true state of affairs. 2.4 If it appears that the statutory duty of disclosure has not been complied with, no payment shall be due if the insurer would not have accepted the insurance if it had been aware of the actual facts. If a withheld event would have resulted in a higher contribution or a lower insured amount, the payment will be reduced proportionately. If a concealed event would have resulted in different conditions, only the payment that would have been included in the insurance contract based on the other conditions will be due. 2.5 During the term of the insurance, the policyholder can request an increase in the insured capital, an extension of the term of the insurance or a change in the pattern of purchase of the insured capital spread over the term of the insurance. Such an increase or extension of the insurance cover shall be subject to medical proof of insurability and a written justification to the insurer for the change in the insurance cover. Additionally, the insured person must be younger than 70 years of age at that time. The insurer is not obliged to accept the change. After receiving the relevant information, the insurer will confirm whether the change is accepted and communicate the conditions for acceptance of the insurance. By agreement between the parties, the insurer shall issue an addendum to the Policy confirming the policy change, the date of entry into force and the applicable conditions and premiums. 2.6 If the age of the insured has been incorrectly stated, the insured capital will be reduced to the amount that would have been insured for the premiums paid if the age had been correctly stated. 2.7 If the policy is lost, the insurer will issue a duplicate policy at the written request of the policyholder, after which no rights can be derived from the original policy.the

Basis of the insurance. 2.1 The information and statements provided by the policyholder and/or the insured to the insurer, including on the application form, medical questionnaire(s) and (issued) health certificate(s) and during medical examination(s), form the basis of the policy and are considered to form part of the policy. This information includes, but is not limited to, demographic information and information about lifestyle. The policyholder must inform the insurer, prior to taking out the insurance, of all facts of which he is or should have been aware and of which he knows or should have understood that the insurer's decision as to whether or not he is prepared to take out the insurance depends on, and if so, under what conditions, whether or not he can depend on it (statutory duty of disclosure). 2.2 The insurer reserves the right to ask for proof of the information provided before accepting the policy. However, if the policy has been accepted without such proof information having been requested, or if it has been requested but has not been provided, the insurer reserves the right to request such evidence at any time in the future. If such proof is then requested and the policyholder and/or the insured is not able to provide proof of the information on which the insurer has relied, the insurer reserves the right to take the steps deemed appropriate by the insurer, taking into account the relevance of the information in question. Such steps can include cancellation of the insurance policy (with or without reimbursement of premiums) or reduction of cover. 2.3 If it appears that the statutory duty of disclosure has not been complied with, the insurer can cancel the insurance or change the insurance to an insurance policy, with or without retroactive effect, under conditions that are acceptable to the insurer with knowledge of given the true state of affairsapparent risk. 2.4 If it appears that the statutory duty of disclosure has not been complied with, no payment shall be due if the insurer would not have accepted the insurance if it had been aware of the actual facts. If a withheld event would have resulted in a higher contribution or a lower insured amount, the payment will be reduced proportionately. If a concealed event would have resulted in different conditions, only the payment that would have been included in the insurance contract based on the other conditions will be due. 2.5 During the term of the insurance, the policyholder can request an increase in the insured capital, an extension of the term of the insurance or a change in the pattern of purchase of the insured capital spread over the term of the insurance. Such an increase or extension of the insurance cover shall be subject to medical proof of insurability and a written justification to the insurer for the change in the insurance cover. Additionally, the insured person must be younger than 70 years of age at that time. The insurer is not obliged to accept the change. After receiving the relevant information, the insurer will confirm whether the change is accepted and communicate the conditions for acceptance of the insurance. By agreement between the parties, the insurer shall issue an addendum to the Policy confirming the policy change, the date of entry into force and the applicable conditions and premiums. 2.6 If the age of the insured has been incorrectly stated, the insured capital will be reduced to the amount that would have been insured for the premiums paid if the age had been correctly stated. 2.7 If the policy is lost, the insurer will issue a duplicate policy at the written request of the policyholder, after which no rights can be derived from the original policy.the

Basis of the insurance. 2.1 The information and statements provided by the policyholder and/or the insured to the insurer, including on the application form, medical questionnaire(s) and (issued) health certificate(s) and during medical examination(s), form the basis of the policy and are considered to form part of the policy. This information includes, but is not limited to, demographic information and information about lifestyle. The policyholder must inform the insurer, prior to taking out the insurance, of all facts of which he is or should have been aware and of which he knows or should have understood that the insurer's decision as to whether or not he is prepared to take out the insurance depends on, and 3 if so, under what conditions, whether or not he can depend on it (statutory duty of disclosure). 2.2 The insurer reserves the right to ask for proof of the information provided before accepting the policy. However, if the policy has been accepted without such proof having been requested, or if it has been requested but has not been provided, the insurer reserves the right to request such evidence at any time in the future. If such proof is then requested and the policyholder and/or the insured is not able to provide proof of the information on which the insurer has relied, the insurer reserves the right to take the steps deemed appropriate by the insurer, taking into account the relevance of the information in question. Such steps can include cancellation of the insurance (with or without reimbursement of premiums) or reduction of cover. 2.3 If it appears that the statutory duty of disclosure has not been complied with, the insurer can cancel the insurance or change the insurance to an insurance policy, with or without retroactive effect, under conditions that are acceptable to the insurer with knowledge of the true state of affairs. 2.4 If it appears that the statutory duty of disclosure has not been complied with, no payment shall be due if the insurer would not have accepted the insurance if it had been aware of the actual facts. If a withheld event would have resulted in a higher contribution or a lower insured amount, the payment will be reduced proportionately. If a concealed event would have resulted in different conditions, only the payment that would have been included in the insurance contract based on the other conditions will be due. 2.5 During the term of the insurance, the policyholder can request an increase in the insured capital, an extension of the term of the insurance or a change in the pattern of purchase of the insured capital spread over the term of the insurance. Such an increase or extension of the insurance cover shall be subject to medical proof of insurability and a written justification to the insurer for the change in the insurance cover. Additionally, the insured person must be younger than 70 years of age at that time. The insurer is not obliged to accept the change. After receiving the relevant information, the insurer will confirm whether the change is accepted and communicate the conditions for acceptance of the insurance. By agreement between the parties, the insurer shall issue an addendum to the Policy confirming the policy change, the date of entry into force and the applicable conditions and premiums. 2.6 If the age of the insured has been incorrectly stated, the insured capital will be reduced to the amount that would have been insured for the premiums paid if the age had been correctly stated. 2.7 If the policy is lost, the insurer will issue a duplicate policy at the written request of the policyholder, after which no rights can be derived from the original policy.

Basis of the insurance. 2.1 The information and statements provided by the policyholder and/or the insured to the insurer, including on the application form, medical questionnaire(s) and (issued) health certificate(s) and during medical examination(s), form the basis of the policy and are considered to form part of the policy. This information includes, but is not limited to, demographic information and information about lifestyle. The policyholder must inform the insurer, prior to taking out the insurance, of all facts of which he is or should have been aware and of which he knows or should have understood that the insurer's decision as to whether or not he is prepared to take out the insurance depends on, and if so, under what conditions, whether or not he can depend on it (statutory duty of disclosure). 2.2 The insurer reserves the right to ask for proof of the information provided before accepting the policy. However, if the policy has been accepted without such proof information having been requested, or if it has been requested but has not been provided, the insurer reserves the right to request such evidence at any time in the future. If such proof is then requested and the policyholder and/or the insured is not able to provide proof of the information on which the insurer has relied, the insurer reserves the right to take the steps deemed appropriate by the insurer, taking into account the relevance of the information in question. Such steps can include cancellation of the insurance policy (with or without reimbursement of premiums) or reduction of cover. 2.3 If it appears that the statutory duty of disclosure has not been complied with, the insurer can cancel the insurance or change the insurance to an insurance policy, with or without retroactive effect, under conditions that are acceptable to the insurer with knowledge of given the true state of affairsapparent risk. 2.4 If it appears that the statutory duty of disclosure has not been complied with, no payment shall be due if the insurer would not have accepted the insurance if it had been aware of the actual facts. If a withheld event would have resulted in a higher contribution or a lower insured amount, the payment will be reduced proportionately. If a concealed event would have resulted in different conditions, only the payment that would have been included in the insurance contract based on the other conditions will be due. 2.5 During the term of the insurance, the policyholder can request an increase in the insured capital, an extension of the term of the insurance or a change in the pattern of purchase of the insured capital spread over the term of the insurance. Such an increase or extension of the insurance cover shall be subject to medical proof of insurability and a written justification to the insurer for the change in the insurance cover. Additionally, the insured person must be younger than 70 years of age at that time. The insurer is not obliged to accept the change. After receiving the relevant information, the 3 insurer will confirm whether the change is accepted and communicate the conditions for acceptance of the insurance. By agreement between the parties, the insurer shall issue an addendum to the Policy confirming the policy change, the date of entry into force and the applicable conditions and premiums. 2.6 If the age of the insured has been incorrectly stated, the insured capital will be reduced to the amount that would have been insured for the premiums paid if the age had been correctly stated. 2.7 If the policy is lost, the insurer will issue a duplicate policy at the written request of the policyholder, after which no rights can be derived from the original policy.

Basis of the insurance. 2.1 The information and statements provided by the policyholder and/or the insured to the insurer, including on the application form, medical questionnaire(s) and (issued) health certificate(s) and during medical examination(s), form the basis of the policy and are considered to form part of the policy. This information includes, but is not limited to, demographic information and information about lifestyle. The policyholder must inform the insurer, prior to taking out the insurance, of all facts of which he is or should have been aware and of which he knows or should have understood that the insurer's decision as to whether or not he is prepared to take out the insurance depends on, and if so, under what conditions, whether or not he can depend on it (statutory duty of disclosure). 2.2 The insurer reserves the right to ask for proof of the information provided before accepting the policy. However, if the policy has been accepted without such proof information having been requested, or if it has been requested but has not been provided, the insurer reserves the right to request such evidence at any time in the future. If such proof is then requested and the policyholder and/or the insured is not able to provide proof of the information on which the insurer has relied, the insurer reserves the right to take the steps deemed appropriate by the insurer, taking into account the relevance of the information in question. Such steps can include cancellation of the insurance policy (with or without reimbursement of premiums) or reduction of cover. 2.3 If it appears that the statutory duty of disclosure has not been complied with, the insurer can cancel the insurance or change the insurance to an insurance policy, with or without retroactive effect, under conditions that are acceptable to the insurer with knowledge of given the true state of affairsapparent risk. 2.4 If it appears that the statutory duty of disclosure has not been complied with, no payment shall be due if the insurer would not have accepted the insurance if it had been aware of the actual facts. If a withheld event would have resulted in a higher contribution or a lower insured amount, the payment will be reduced proportionately. If a concealed event would have resulted in different conditions, only the payment that would have been included in the insurance contract based on the other conditions will be due. 2.5 During the term of the insurance, the policyholder can request an increase in the insured capital, an extension of the term of the insurance or a change in the pattern of purchase of the insured capital spread over the term of the insurance. Such an increase or extension of the insurance cover shall be subject to medical proof of insurability and a written justification to the insurer for the change in the insurance cover. Additionally, the insured person must be younger than 70 years of age at that time. The insurer is not obliged to accept the change. After receiving the relevant information, the 3 insurer will confirm whether the change is accepted and communicate the conditions for acceptance of the insurance. By agreement between the parties, the insurer shall issue an addendum to the Policy confirming the policy change, the date of entry into force and the applicable conditions and premiums. 2.6 If the age of the insured has been incorrectly stated, the insured capital will be reduced to the amount that would have been insured for the premiums paid if the age had been correctly stated. 2.7 If the policy is lost, the insurer will issue a duplicate policy at the written request of the policyholder, after which no rights can be derived from the original policy. 2.8 The surrender value of this insurance is nil at all times, with the exception of the provisions of Article 13.8.

Basis of the insurance. 2.1 The information and statements provided by the policyholder and/or the insured to the insurer, including on the application form, medical questionnaire(s) and (issued) health certificate(s) and during medical examination(s), form the basis of the policy and are considered to form part of the policy. This information includes, but is not limited to, demographic information and information about lifestyle. The policyholder must inform the insurer, prior to taking out the insurance, of all facts of which he is or should have been aware and of which he knows or should have understood that the insurer's decision as to whether or not he is prepared to take out the insurance depends on, and if so, under what conditions, whether or not he can depend on it (statutory duty of disclosure). 2.2 The insurer reserves the right to ask for proof of the information provided before accepting the policy. However, if the policy has been accepted without such proof information having been requested, or if it has been requested but has not been provided, the insurer reserves the right to request such evidence at any time in the future. If such proof is then requested and the policyholder and/or the insured is not able to provide proof of the information on which the insurer has relied, the insurer reserves the right to take the steps deemed appropriate by the insurer, taking into account the relevance of the information in question. Such steps can include cancellation of the insurance policy (with or without reimbursement of premiums) or reduction of cover. 2.3 If it appears that the statutory duty of disclosure has not been complied with, the insurer can cancel the insurance or change the insurance to an insurance policy, with or without retroactive effect, under conditions that are acceptable to the insurer with knowledge of given the true state of affairsapparent risk. 2.4 If it appears that the statutory duty of disclosure has not been complied with, no payment shall be due if the insurer would not have accepted the insurance if it had been aware of the actual facts. If a withheld event would have resulted in a higher contribution or a lower insured amount, the payment will be reduced proportionately. If a concealed event would have resulted in different conditions, only the payment that would have been included in the insurance contract based on the other conditions will be due. 2.5 During the term of the insurance, the policyholder can request an increase in the insured capital, an extension of the term of the insurance or a change in the pattern of purchase of the insured capital spread over the term of the insurance. Such an increase or extension of the insurance cover shall be subject to medical proof of insurability and a written justification to the insurer for the change in the insurance cover. Additionally, the insured person must be younger than 70 years of age at that time. The insurer is not obliged to accept the change. After receiving the relevant information, the insurer will confirm whether the change is accepted and communicate the conditions for acceptance of the insurance. By agreement between the parties, the insurer shall issue an addendum to the Policy confirming the policy change, the date of entry into force and the applicable conditions and premiums. 2.6 If the age of the insured has been incorrectly stated, the insured capital will be reduced to the amount that would have been insured for the premiums paid if the age had been correctly stated. 2.7 If the policy is lost, the insurer will issue a duplicate policy at the written request of the policyholder, after which no rights can be derived from the original policy.

Basis of the insurance. 2.1 The information and statements provided by the policyholder and/or the insured to the insurer, including form the basis of the policy. This includes, but is not limited to, information given on the application form, medical questionnaire(s) and (issued) health certificate(s) and during medical examination(s), form the basis of the policy and are considered to form part of the policy. This information includes, but is not limited to, demographic information and information about lifestyle. The policyholder must inform the insurer, prior to taking out the insurance, of all facts of which he is or should have been aware and of which he knows or should have understood that the insurer's ’s decision as to whether or not he is prepared to take out the insurance depends on, and if so, under what conditions, whether or not he can depend on it (statutory duty of disclosure). 2.2 The insurer reserves the right to ask for proof of the information provided before accepting the policy. However, if the policy has been accepted without such proof having been requested, or if it has been requested but has not been provided, the insurer reserves the right to request such evidence at any time in the future. If such proof is then requested and the policyholder and/or and/ or the insured is not able to provide proof of the information on which the insurer has relied, the insurer reserves the right to take the steps deemed appropriate by the insurer, taking into account the relevance of the information in question. Such steps can include cancellation of the insurance (with or without reimbursement of premiums) or reduction of cover. 2.3 If it appears that the statutory duty of disclosure has not been complied with, the insurer can cancel the insurance or change the insurance to an insurance policy, with or without retroactive effect, under conditions that are acceptable to the insurer with knowledge of the true state of affairs. 2.4 If it appears that the statutory duty of disclosure has not been complied with, no payment shall be due if the insurer would not have accepted the insurance if it had been aware of the actual facts. If a withheld event would have resulted in a higher contribution or a lower insured amount, the payment will be reduced proportionately. If a concealed event would have resulted in different conditions, only the payment that would have been included in the insurance contract based on the other conditions will be due. 2.5 During the term of the insurance, the policyholder can request an increase in the insured capital, an extension of the term of the insurance or a change in the pattern of purchase capital flow of the insured capital spread over the term of the insurancecapital. Such an increase or extension of the insurance cover shall be subject to medical proof of insurability and The insurer can ask for a written justification for the requested change in cover and is not obliged to accept it. After a medical examination of the insured, the insurer for will confirm whether the change in will be accepted or not, and under what conditions. With the insurance consent of the policyholder, the insurer will issue a policy with the specific change of the cover, the date of entry into force and applicable conditions and premium. Additionally, the insured person must be younger than 70 years of age at that time. The insurer is not obliged to accept the change. After receiving the relevant information, the insurer will confirm whether the change is accepted and communicate the conditions for acceptance of the insurance. By agreement between the parties, the insurer shall issue an addendum to the Policy confirming the policy change, the date of entry into force and the applicable conditions and premiums. 2.6 If the age of the insured has been incorrectly stated, the insured capital will be reduced to the amount that would have been insured for the premiums paid if the age had been correctly stated. 2.7 If the policy is lost, the insurer will issue a duplicate policy at the written request of the policyholder, after which no rights can be derived from the original policy.

Basis of the insurance. 2.1 The information and statements provided by the policyholder and/or the insured to the insurer, including form the basis of the policy. This includes, but is not limited to, information given on the application form, medical questionnaire(s) and (issued) health certificate(s) and during medical examination(s), form the basis of the policy and are considered to form part of the policy. This information includes, but is not limited to, demographic information and information about lifestyle. The policyholder must inform the insurer, prior to taking out the insurance, of all facts of which he is or should have been aware and of which he knows or should have understood that the insurer's ’s decision as to whether or not he is prepared to take out the insurance depends on, and if so, under what conditions, whether or not he can depend on it (statutory duty of disclosure). 2.2 The insurer reserves the right to ask for proof of the information provided before accepting the policy. However, if the policy has been accepted without such proof having been requested, or if it has been requested but has not been provided, the insurer reserves the right to request such evidence at any time in the future. If such proof is then requested and the policyholder and/or the insured is not able to provide proof of the information on which the insurer has relied, the insurer reserves the right to take the steps deemed appropriate by the insurer, taking into account the relevance of the information in question. Such steps can include cancellation of the insurance (with or without reimbursement of premiums) or reduction of cover. 2.3 If it appears that the statutory duty of disclosure has not been complied with, the insurer can cancel the insurance or change the insurance to an insurance policy, with or without retroactive effect, under conditions that are acceptable to the insurer with knowledge of the true state of affairs.affairs.‌‌ 2.4 If it appears that the statutory duty of disclosure has not been complied with, no payment shall be due if the insurer would not have accepted the insurance if it had been aware of the actual facts. If a withheld event would have resulted in a higher contribution or a lower insured amount, the payment will be reduced proportionately. If a concealed event would have resulted in different conditions, only the payment that would have been included in the insurance contract based on the other conditions will be due. 2.5 During the term of the insurance, the policyholder can request an increase in the insured capital, an extension of the term of the insurance or a change in the pattern of purchase capital flow of the insured capital spread over the term of the insurancecapital. Such an increase or extension of the insurance cover shall be subject to medical proof of insurability and The insurer can ask for a written justification for the requested change in cover and is not obliged to accept it. After a medical examination of the insured, the insurer for will confirm whether the change in will be accepted or not, and under what conditions. With the insurance consent of the policyholder, the insurer will issue a policy with the specific change of the cover, the date of entry into force and applicable conditions and premium. Additionally, the insured person must be younger than 70 years of age at that time. The insurer is not obliged to accept the change. After receiving the relevant information, the insurer will confirm whether the change is accepted and communicate the conditions for acceptance of the insurance. By agreement between the parties, the insurer shall issue an addendum to the Policy confirming the policy change, the date of entry into force and the applicable conditions and premiums. 2.6 If the age of the insured has been incorrectly stated, the insured capital will be reduced to the amount that would have been insured for the premiums paid if the age had been correctly stated. 2.7 If the policy is lost, the insurer will issue a duplicate policy at the written request of the policyholder, after which no rights can be derived from the original policy. 2.8 The surrender value of this insurance is nil at all times, with the exception of the provisions of Article 13.

Basis of the insurance. 2.1 The information and statements provided by the policyholder and/or the insured to the insurer, including form the basis of the policy. This includes, but is not limited to, information given on the application form, medical questionnaire(s) and (issued) health certificate(s) and during medical examination(s), form the basis of the policy and are considered to form part of the policy. This information includes, but is not limited to, demographic information and information about lifestyle. The policyholder must inform the insurer, prior to taking out the insurance, of all facts of which he is or should have been aware and of which he knows or should have understood that the insurer's ’s decision as to whether or not he is prepared to take out the insurance depends on, and if so, under what conditions, whether or not he can depend on it (statutory duty of disclosure). 2.2 The insurer reserves the right to ask for proof of the information provided before accepting the policy. However, if the policy has been accepted without such proof having been requested, or if it has been requested but has not been provided, the insurer reserves the right to request such evidence at any time in the future. If such proof is then requested and the policyholder and/or and/ or the insured is not able to provide proof of the information on which the insurer has relied, the insurer reserves the right to take the steps deemed appropriate by the insurer, taking into account the relevance of the information in question. Such steps can include cancellation of the insurance (with or without reimbursement of premiums) or reduction of cover.the‌‌ 2.3 If it appears that the statutory duty of disclosure has not been complied with, the insurer can cancel the insurance or change the insurance to an insurance policy, with or without retroactive effect, under conditions that are acceptable to the insurer with knowledge of the true state of affairs. 2.4 If it appears that the statutory duty of disclosure has not been complied with, no payment shall be due if the insurer would not have accepted the insurance if it had been aware of the actual facts. If a withheld event would have resulted in a higher contribution or a lower insured amount, the payment will be reduced proportionately. If a concealed event would have resulted in different conditions, only the payment that would have been included in the insurance contract based on the other conditions will be due. 2.5 During the term of the insurance, the policyholder can request an increase in the insured capital, an extension of the term of the insurance or a change in the pattern of purchase capital flow of the insured capital spread over the term of the insurancecapital. Such an increase or extension of the insurance cover shall be subject to medical proof of insurability and The insurer can ask for a written justification for the requested change in cover and is not obliged to accept it. After a medical examination of the insured, the insurer for will confirm whether the change in will be accepted or not, and under what conditions. With the insurance consent of the policyholder, the insurer will issue a policy with the specific change of the cover, the date of entry into force and applicable conditions and premium. Additionally, the insured person must be younger than 70 years of age at that time. The insurer is not obliged to accept the change. After receiving the relevant information, the insurer will confirm whether the change is accepted and communicate the conditions for acceptance of the insurance. By agreement between the parties, the insurer shall issue an addendum to the Policy confirming the policy change, the date of entry into force and the applicable conditions and premiums. 2.6 If the age of the insured has been incorrectly stated, the insured capital will be reduced to the amount that would have been insured for the premiums paid if the age had been correctly stated. 2.7 If the policy is lost, the insurer will issue a duplicate policy at the written request of the policyholder, after which no rights can be derived from the original policy.