69. Every group sickness or accident insurance contract must stipulate(1) that its expiry or the cancellation of any protection may not be set up against a claim based on(a) death or mutilation resulting from an accident that occurred while the contract was in force; or
(b) a disability that arose or a sickness contracted while the contract was in force; and
(2) that the insurer remains bound to compensate the participant for salary loss if the participant is still disabled after the contract expires.