Reporting obligation. On concluding the contract the Contractor and the Insured are obliged to report the Insurer all important circumstances and data relevant for under- taking the insurance - especially those mentioned in the Insurance offer - that are or were familiar with the Insurer, particularly the ones relating to the written questions of the Insurer. In the interest of protecting the insurance risk community the Insurer is jus- tified to control the delivered data, to which authorization is provided by the Contractor and the Insured on concluding the contract. The Insured shall release the doctor, hospital or any other health institution or social security fund providing or going to provide treatment/payment for the Insured from their obligation of official medical secrecy as well as the other insurance company (companies) from their obligation of insur- ance secrecy. The Insured/Contractor are obliged to report in writing to the Insurer any changes in the circumstances or data important for undertaking the insur- ance but not qualifying as insured events occurring during the period of coverage, with special regard to the data and circumstances listed in the Insurance offer. In case of violating the reporting obligation or the obligation of reporting changes the Insurer is exempt from the service duties unless it is proved that the hidden or unreported circumstances were known to the Insurer, or that it did not impact the insured event occurred.
Reporting obligation. On concluding the contract the Contractor and the Insured are obliged to report the Insurer all important circumstances and data rel- evant for undertaking the insurance - especially those mentioned in the Insurance offer - that are or were familiar with the Insurer, particu- larly the ones relating to the written questions of the Insurer. In order to protect the insurance risk community the Insurer is justified to con- trol the delivered data, to which authorization is provided by the Contractor and the Insured on concluding the contract. The Insured shall release the doctor, hospital or any other health institution or social security fund providing or going to provide treatment/payment for the Insured from their obligation of official medical secrecy as well as the other insurance company (companies) from their obligation of insurance secrecy. The Insured/Contractor are obliged to report to the Insurer in writing within 5 working days all eventual changes in the cir- cumstances or data which are important for undertaking the insurance but which do not qualify as insured events and which occur during the period of coverage, with special regard to the data and circumstances listed in the Insurance offer (name, address etc.). If the contract relates to more assets or persons, however violation of the obligation to noti- fy circurmstances and changes occurred only in respect of some of the assets or persons, then the Insurer cannot allude to the violation of the reporting and change reporting obligation in respect of the another assets or persons.Both, the Policyholder and the Insured have to meet their obligation to notify circumstances and report changes. None of them can allude to any circumstances in respect of which they failed to notify the insurer, though these should have been known to them and they would have been obliged to notify and report these circum- stances. In case of violating the reporting obligation or the obligation for reporting changes the Insurer is exempt from the service duties unless it is proved that the hidden or unreported circumstances were known to the Insurer, or that it did not influence or played a part in the occurrence of the insured event. In case the Contract is not concluded by the Insured(s) the responsibility for making a legal declaration shall reside with the contracting party.