Indisputability. The Company will not dispute the validity of the Policy during the lifetime of the Life Assured after two (2) years from the date of issue or any date of reinstatement of the Policy, whichever is later, unless there is fraud, non- payment of premiums or claims which would have been denied if arising from exclusions. For the avoidance of doubt, this paragraph only applies to life and critical illness policies and riders.
Indisputability. We will neither reject claims nor dispute the validity of this policy after 2 years from the cover start date of this policy, provided the life assured survives till the end of this 2 year period, unless there is/are: • fraud; • material non-disclosure and/or misrepresentation of a material fact that would have impacted acceptance of coverage; • non-payment of premiums; or • claims which would have been denied if arising from exclusions or are otherwise not covered under this policy.
Indisputability. The Company w ill not dispute the validity of the Policy during the lifetime of the Life Assured after tw o (2) years from the date of issue or any date of reinstatement of the Policy, w hichever is later, unless there is fraud, non- payment of premiums or claims w hich w ould have been denied if arising f rom exclusions. For the avoidanc e of doubt, this paragraph only applies to life and critical illness policies and riders.
Indisputability. We shall not dispute the validity of Your Policy if it has been in force during the lifetime of the Life Assured for at least two (2) years from the Issue Date or Reinstatement Date of this Policy, whichever is later unless a statement of material fact or matter was fraudulently made or there was a fraudulent suppression or omission of material fact or matter in Your Application.
Indisputability. The Company will neither reject claims nor dispute the validity of this Policy after two (2) years from the date of issue and/or date of reinstatement (if applicable) of this Policy, whichever is later, provided the Life Assured survives till the end of this two (2) year period, unless there is/are:
(a) fraud;
(b) material non-disclosure and/or misrepresentation of a material fact that would have impacted acceptance of coverage;
(c) non-payment of premiums; or
(d) claims which would have been denied if arising from exclusions or are otherwise not covered under this Policy.
Indisputability. 1. The declarations provided by the Policyholder and by the Insured Person, both in the proposal and in the other documents necessary for the appreciation of the proposed risk, serve as the basis for the acceptance and formal realization of the insurance contract, which is indisputable provided that it has been in force during the life of the Insured Person and for two years after the issue date.
2. Omissions and imprecise, incomplete, reticent or false declarations which might have influenced the existence or conditions of the insurance, make the contract null and void, extinguishing the obligations arising therefrom from the time of the respective subscription, regardless of when the Insurer became aware of them.
3. For the purpose of the provisions established in the previous number, if there has been bad faith on the part of the Policyholder or of the Insured Person, the Insurer will have the right to the premiums which may have been paid.
4. Also for the purpose of the provisions established in number 2 of this article, and irrespective of the technical knowledge which may enable the Policyholder or to the Insured Person to correctly evaluate the risk or the extent of the losses caused to the Insurer, the reasonable knowledge which they should normally have concerning the importance or gravity of any situation which is the object of any false or imprecise declaration within the terms of that number is relevant.
