This provision defines which documents constitute the contract between the insurance company and the policyowner. In the Ghanaian context, this provision should state that “the contract consists of the policy document, attached riders (if any) and the attached  copy of the proposal/application form”. If the insurance company does not attach the application /proposal to the policy form, then the company cannot contest the validity of the policy based on any false information contained in the application/proposal for insurance.  

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