Articles A. 111-2 to A. 111-5 apply to group insurance contracts and memberships concluded or taken out no later than 20 December 2012 and to these contracts and memberships tacitly renewed after this date.
However, articles A. 111-2 to A. 111-5 do not apply to contracts and memberships referred to in the previous paragraph that have been substantially modified after 20 December 2012, requiring the agreement of the parties, other than a modification that at least one of the parties cannot refuse.