The Swiss law on the insurance contract – Laws and insurance products


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Federal Insurance Contract Law (Insurance Contract Law, ICA)

April 2, 1908
(as of January 1, 2022)

Chapter 1: General Provisions

1st Section: Conclusion of the Contract

Art. 1

Application for insurance contract

1 Anyone who has asked the insurance company to conclude an insurance contract and has not set a shorter acceptance period, remains bound for 14 days.

2 If the insurance requires a medical examination, the applicant remains bound for four weeks.

3 The period runs from the submission or transmission of the request to the insurer or its agent.

4 The applicant is no longer bound if the declaration of acceptance from the insurance company has not reached him* before the expiry of the deadline.

Art. 2

Special conditions of application

1 When the request for extension or modification of an existing contract or reinstatement of a suspended contract is not rejected by the insurance company within 14 days of its receipt, it is deemed to have been accepted.

2 When a medical examination is required under the general conditions of insurance, the request is deemed accepted if it is not rejected by the insurance company within four weeks of its receipt.

3 The request for an increase in the limit of liability is not governed by these provisions.

* For the sake of simplicity, the entire translation uses the terms “policyholder”, “insured” and “beneficiary” in the masculine form.

The content of this article is intended to provide a general guide on the subject. Specialist advice should be sought regarding your particular situation.

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