Case C-263/22, Ocidental — Companhia Portuguesa de Seguros de Vida: Judgment of the Court (Ninth Chamber) of 20 April 2023 (request for a preliminary ruling from the Supremo Tribunal de Justiça — Portugal) — Ocidental — Companhia Portuguesa de Seguros de Vida, SA v LP (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)