19. False or misleading statements
The insurer may terminate the contract by registered letter addressed to the policyholder or the insured within one month from learning of any withholding of information or misrepresentation on the part of the policyholder. The premium for the period of cover underway when the insurer provides this notice will be for the account of the insurer, except in the case of wilful misconduct or gross negligence on its part.
Should the claim occur before the insurer has provided the notice described in the preceding paragraph, the benefits it provides will be reduced proportionally in accordance with the difference between the premium agreed in the policy and that which would have applied had the true magnitude of the risk been known. When the withholding of information or misrepresentation is due to wilful misconduct or gross negligence, the insurer will be released from its obligation to pay any benefits.
20. In case of a decrease in risk