4. Risk statement
1. Conditions of the agreement
The declarations made by the policyholder and the insured contained in the application and in the health and habits questionnaire submitted by the insured, including, where applicable, the declarations of the examining physician, are essential data for the assessment of the risk and are the basis for the policy.
Should the policy's content differ from the insurance application or from the agreed clauses, the policyholder may place a claim against the insurer, within a period of one month as of the date on which the policy is handed over, in order to rectify the existing divergence. If no claims are lodged prior to the conclusion of this period, the terms and conditions of the policy shall apply.
2. Statement of circumstances which affect risk
5. Effective date, duration and termination of the policy