(1) In the event of the termination of the insurance agreement prior to the end of the period of insurance, the insurer is only entitled to that share of the premium for that period of insurance which corresponds to the period in which the insurance cover existed. If the insurance agreement is terminated on account of withdrawal in accordance with section 19 (2), or on account of avoidance by the insurer due to fraudulent misrepresentation, the insurer is entitled to the insurance premium up until such time as the declaration of withdrawal or avoidance becomes effective. If the insurer withdraws on the basis of section 37 (1), he or she may demand an appropriate fee.
(2) If the insurance agreement ends in accordance with section 16, the policyholder may demand the repayment of that share of the premium which corresponds to the period following the termination of the insurance agreement, minus the costs arising for that period.