Case C‑263/22

Ocidental – Companhia Portuguesa de Seguros de Vida, SA

v

LP

(Request for a preliminary ruling from the Supremo Tribunal de Justiça)

Judgment of the Court (Ninth Chamber) of 20 April 2023

(Reference for a preliminary ruling – Unfair terms in consumer contracts – Directive 93/13/EEC – Articles 3 to 6 – Criteria for assessing the unfairness of a contractual term – Requirement of transparency – Group insurance contract – Permanent invalidity of the consumer – Duty to provide information – Non-disclosure of a term limiting or excluding cover against the insured risk)

1. Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Term in a group insurance contract – Requirement of transparency – Scope – Criteria for assessment

   (Council Directive 93/13, Arts 4(2) and 5)

   (see paragraphs 26-30, 34, operative part 1)

2. Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Unfair term within the meaning of Article 3 – Assessment of unfair nature by the national court – Term excluding cover against the insured risk in an insurance contract – Term which does not satisfy the requirement of transparency

   (Council Directive 93/13, as amended by Directive 2011/83, Arts 3(1), 4, 5 and 6)

   (see paragraphs 39-43, 45-47, 52, 53, 56, operative part 2)

See the text of the decision.