Chapter II: Conclusion and proof of the insurance contract - Form and transmission of policies.

The insurance contract and the information sent by the insurer to the policyholder referred to in this code shall be drawn up in writing, in French, and in clear characters.

By way of derogation from the provisions of the previous paragraph concerning the use of the French language, when, by virtue of articles

L. 181-1

and

L. 183-1

, the parties to the contract have the option of applying a law other than French law, the documents mentioned in the first paragraph of this article may be drawn up in a language other than French. The choice of a language other than French is made by mutual agreement between the parties and, except where the contract covers the major risks defined in article

L. 111-6

, at the written request of the policyholder alone.

Where the parties to the contract are unable to apply a law other than French law, these documents may, however, by mutual agreement between the parties and at the written request of the policyholder alone, be drawn up in the language, or in one of the official languages, of the State of which the policyholder is a national.

Where, prior to the conclusion of the contract, the insurer has put questions in writing to the insured, in particular by means of a risk declaration form or by any other means, he may not rely on the fact that a question expressed in general terms has received only an imprecise answer.

Any addition or modification to the original insurance contract must be recorded in an endorsement signed by the parties. By way of derogation, the amendment proposed by the insurer to an individual or group supplementary health insurance contract in order to bring it into compliance with the rules laid down by the Conseil d'Etat decree referred to in article

L. 871-1

of the Social Security Code is deemed to have been accepted in the absence of opposition from the policyholder. The insurer informs the policyholder in writing of the new cover offered and the legal, social, tax and pricing consequences resulting from this choice in application of the same article. The policyholder has thirty days to refuse this proposal in writing. Accepted modifications will come into effect at the earliest one month after the expiry of the aforementioned thirty-day period and within a period compatible with the legal and contractual obligations of the policyholder to inform members or affiliates.

The present provisions do not prevent the insurer and the insured from being bound to each other by the submission of a cover note, even before the policy or rider is issued.