The amount of compensation may, in certain circumstances, be reduced or can be totally denied. Obligations have been imposed on the applicant for compensation, whose negligence may result in the reduction or refusal of compensation payable. Obligations have been imposed on the insured person in order to obtain a compensation question within a reasonable time and with reasonable efforts to settle. The insurance company, of course, has a clearing obligation for its part.
Compensation may be reduced or denied if the applicant has deliberately provided incorrect information when entering into an insurance contract. In other words, when the applicant acted fraudulently as a non-life insurance policy. Along with the intent, even a little greater negligence can lead to the same consequences.
In the case of accident, accident or sickness insurance, gross negligence on the part of the insured may also be the basis for compensation. For example, gross negligence may occur in such a way that the insured consciously neglects the normal precautions and causes a situation where the risk of injury is high. An example of this is a serious compromise on road safety.
The insured has a duty to rescue. That is, when a damage occurs or threatens to occur, the insured must, according to his ability, try to counteract or limit the damage. If the insured fails to comply with this obligation intentionally or negligent, which can not be considered negligible, the future compensation may be reduced or denied. Failure to observe the protection guidelines may also reduce the compensation. (see the article “Non-life Insurance, Protection Guidelines”)
If the insured gives false information about the injury, the insurance premium may be reduced. Reduction must be made according to what is reasonable.