Doctor's order clause
The doctor's order clause is a term from insurance contract law , in particular the law of occupational disability insurance .
With the doctor's order clause, compliance with medical orders becomes a prerequisite for the recognition of disability benefits in the insurance conditions. In principle, the insurers waive the order clause. In particular, the insured person is not obliged to have surgical treatment measures recommended by the examining or treating doctor carried out. However, the insured person is usually obliged to use suitable aids such as B. to use visual or hearing aids and to have reasonable medical treatments carried out, which can be expected to significantly improve the health impairment. In particular, healing treatments that are safe and not associated with particular pain are considered reasonable.
The obligation to undertake reasonable medical treatment, if this offers a sure prospect of improvement in the state of health, specifies the obligation of the insured person to reduce damage from § 254 BGB.
Individual evidence
- ↑ cf. e.g. 4 Waiver of the doctor's order clause General contract information tariff E-BU, as of January 1, 2020, p. 16.
- ↑ cf. for example, 16.1.3 Note to physician arrangements General conditions for your independent disability insurance, possibly with additional protection in case of incapacity, as of January 2018 S. 22nd
