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B2-2.4 Cancellation where a need for long term care or a mental illness arises, Accident Basis Plus
Clause B2-2.4, Cancellation where a need for long term care or a mental illness arises, from Watercraft Accident Insurance, Basis Plus, AVB WSU Basis Plus (1-2025nam).
German law applies; only the German wording is binding.
This English text is a courtesy so you can read what you buy, not a contract document.
Where the two differ, the German text decides:
If, in the insured person, a permanent need for long term care within the meaning of section 61a of Book XII of the German Social Code, or a mental illness is confirmed by a doctor, you may cancel the cover retrospectively to the time of that confirmation. A person is mentally ill who, because of a permanent and severe mental or psychological illness, can no longer take part in general life and requires residential placement or constant supervision. We refund the premium for the person concerned on production of the long term care fund's decision granting a care grade, or the health insurer's confirmation of residential placement or constant accompaniment in the case of a mental illness, from the time of the confirmation, but at most for the last three years. Basis Plus, Part B, Section B3: duty of disclosure, increase in risk, other obligations
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