- The General Terms and Conditions of Insurance may, if the insurer’s right of cancellation is ruled out contractually or by law, be amended with effect for existing insurance policies, for the remainder of the current insurance year as well (see tariff), on the basis of the applicable legal provisions if such amendment appears necessary in order to sufficiently safeguard the interests of the insured persons
- in the event of a change in the state of the health service not only of a temporary nature,
- in the event of terms and conditions being pronounced invalid in court, if the replacement thereof is necessary in order to continue the policy,
- in case of amendments to laws upon which the terms and conditions of the insurance policy are based,
- in case of amendments of supreme court rulings, of administrative practices of the Bundesanstalt für Finanzdienstleistungsaufsicht (German) Federal Institute for the Supervision of Financial Services – or the cartel offices, which affect the insurance policy directly.
With regard to the letters c and d, an amendment is only permissible where it relates to §§ 1, 2, 3, 4, 5, 7, 8, 9, 10, 13, 14 para. 2, AVB-R.
- Amendments pursuant to paragraph 1 shall become effective at the beginning of the second month after the policy holder has received notification thereof.
- In the event of an amendment in the terms and conditions, the policy holder can cancel the insurance policy with in one month of receiving notification of the amendment, and cancellation shall take effect on the date when the amendment is scheduled to come into effect. The policy holder may cancel the insurance policy up to the date when the adjustment takes effect, even if the deadline of one month has already expired.
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