Volume 1, Draft Civil Code - Digital exhibitions & collections - McGill ...

OBLIGATIONS 483
918 The insurer has a right of action to obtain payment of
the premiums due only in group life insurance or in accident
and sickness insurance.
In individual insurance, the insurer may deduct the
amount of any premium due out of the benefits payable.
VI - Payment of insurance
919 The insurer is bound to pay the sums insured and other
benefits, according to the conditions of the contract, within
thirty days after the required proof of loss is received.
However, in accident and sickness insurance, this period
is sixty days, except with regard to benefits for loss of income
due to disability.
920 The insurer may not be subrogated in the rights of the
insured, the beneficiary or the life insured against third parties
by reason of the loss.
921 Suicide of the life insured does not relieve the insurer of
his obligations.
Any stipulation to the contrary is without effect if the
suicide occurs after two years of uninterrupted insurance.
VII - Provisions applicable to accident and sickness insurance
922 Any change by the life insured to a more hazardous
occupation lasting for six months or longer entitles the insurer
to reduce the benefits to those payable for the new risk
according to the premium fixed in the contract.
If there is a change to a less hazardous occupation, the
insurer must, from the time he receives notice of it, reduce the
rate of the premium accordingly or extend the insurance by
applying the rate corresponding to the new risk, at the option
of the owner.