La póliza deberá contener una cláusula al efecto de que el asegurado tiene derecho a un período de gracia de un (1) mes, pero no menos de treinta (30) días, dentro del cual podrá efectuarse el pago de cualquier prima después de la primera, sujeto, a opción del asegurador, a un cargo por interés no mayor de seis por ciento (6%) anual por el número de días de gracia que transcurran antes del pago de prima, período durante el cual la póliza continuará en vigor; pero en caso de que la póliza se convierta en reclamación durante el período de gracia, antes de haberse pagado la prima vencida, o de pagarse las primas diferidas del año corriente de la póliza, si las hubiere, el importe de dicha prima o primas, con intereses, podrán deducirse de cualquier liquidación con arreglo a la póliza.
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