as specified in Art. 45 and 49
When a natural person is involved, insurance undertakings must inform the policy holder of the facts and rights which are important for the insurance relationship before the signing of the contract and during the term of a contract as specified in the following provisions. For the insurance of major risks, it shall be sufficient to state the applicable law and the competent Supervisory Authority. Such information must be communicated in writing.
2. Information additionally necessary for life insurances and accident insurances with premium refund guarantee:
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