Title IV: Group insurance

A group insurance contract is a contract taken out by a legal entity or a company director with a view to enrolling a group of people who meet the conditions defined in the contract, to cover risks dependent on the length of human life, risks to the physical integrity of the person or linked to maternity, risks of incapacity for work or invalidity or the risk of unemployment. Members must…

Any sums owed by the member to the policyholder under the insurance contract must be deducted separately from any sums owed by the member to the policyholder under any other contract.

The policyholder may only exclude a member from the group insurance contract if the relationship between them is broken or if the member ceases to pay the premium. Exclusion may only take place at the end of a period of forty days from the date on which the policyholder sends a registered letter of formal notice. This letter may only be sent ten days at the earliest after the date…

The policyholder must : – provide members with a notice drawn up by the insurer setting out the cover and the conditions under which it comes into force, as well as the formalities to be completed in the event of a claim; – inform members in writing of changes to their rights and obligations, at least three months before the planned date of entry into force. Proof of delivery of…

Notwithstanding the provisions of articles L. 132-2 and L. 132-3, the legal representative of an adult under guardianship may take out a group insurance policy in the event of death on behalf of the adult, in accordance with an employment agreement or a company agreement.

For group insurance contracts within the meaning of article L. 141-1, other than those governed by Title I of law no. 89-1009 of 31 December 1989 strengthening the guarantees offered to persons insured against certain risks, and for collective capitalisation contracts with the same characteristics as group contracts within the meaning of article L. 141-1, the subscriber is deemed to act, in respect of the subscriber, the insured and the…

I. – More than half of the Board of Directors of associations which underwrite group life assurance or capitalisation contracts, where the relationship between the member and the policyholder does not make membership of the contract compulsory, is made up of members who do not hold or have not held, over the two years preceding their appointment, any interest or mandate in the insurance undertaking which has signed the group…