Soon the end of the medical questionnaire for loans of less than 200,000 euros and a right to be forgotten that goes from 10 to 5 years for the sick? Parliament adopts a bill on borrower insurance. But under what conditions?
A « advanced historical For all people who have had a health problem who want to take out a home loan but are prevented from doing so by the drastic conditions of borrower insurance? In the future, no medical questionnaire will be required to take out insurance for loans of less than 200,000 euros. The deputies and senators, meeting in the Joint Joint Committee (CMP), agreed, with the support of the majority but against the opinion of the government, on this measure on February 3, 2022 in a bill passed by the Patricia Lemoine (Ansamblul Agir, Seine-et-Marne) fairer, simpler and more transparent access to the borrower insurance market ”. Its conclusions were approved unanimously on February 10 by the National Assembly and then on February 17 by the Senate.
For a loan repaid before 60 years
Moreover, be careful, this measure presupposes certain conditions, in particular “Be under 60 years old.” ». And again, these would mean that you have to spend for these processes. In reality, the loan must have been “repaid” before that age. This means that you are under the age of 35 when you take out a 25-year or 40-year loan for a 20-year loan. If the association Defeating Cystic Fibrosis, which has been fighting in this direction alongside patients for many years, salutes the ” end of medical discrimination “ and a « victory It should be noted that many pathologies occur after the age of 40. « The figure taken into account in our bill still represents almost 50% of borrowing contracts Justifies Patricia Lemoine’s office.
200,000 euros for a single person
Another clarification is that the amount of 200,000 is worth the person alone; therefore, if she borrows in pairs, her purchase envelope can be much higher, for example 400,000 euros if the borrower’s insurance has equal shares on each “head”, especially if the member of the couple is not affected by the disease wants to insure on a top. « For people who have to get it on their own, and even if you received 200,000 euros, it may be insufficient in some regions, especially in Ile-de-France, this amount corresponds to a sum of money received in French for the purchase. one. real estate in 2021 Patricia Lemoine’s office argues. Can things change in the future? ITThe entry into force of this measure is set for June 1, 2022, to allow time for professionals to adapt. A balance sheet must be completed within two years, with the possibility for the government to change both the amount and age ceilings, according to the MP’s office.
AERAS Convention to be reviewed!
For amounts over 200,000 euros, the medical questionnaire remains in force. People who are having difficulty taking out insurance because of a health problem may face an application through AERAS (Insure and Borrow with an Aggravated Health Risk). However, the restrictive conditions of this convention finally allowed few patients to benefit from it, laments the defeat of cystic fibrosis. At the next stage, provided for in the bill, oblige the signatories to enter into a negotiation to grant the device, especially in s.granting an increase in the ceiling of the loan amount that can be taken out, currently set at 320,000 euros.
Right to be forgotten from 10 to 5 years
Another important measure concerns the “right to be forgotten”, which now allows former patients with two serious illnesses (cancer or hepatitis C) to no longer have to report them to their insurer ten years after the end. of their therapeutic protocol for adults and five years later for diagnosed patients up to 21 years of age. With this new text, the deadline is increased to five years for all, regardless of age, as Emmanuel Macron undertook in his 2017 campaign, which is crucial for the personal reconstruction of patients in remission. groupe LREM in a press release. And for others? Negotiations with the above-mentioned AERAS partners should allow for the discussion of an extension to a greater number of pathologies. In the absence of progress between the actors, the government will have the opportunity to take action by decree in the Council of State, no later than July 31, 2022.
Other measures for all
Other measures, open to all, are included in the text adopted by CPM, such as the possibility of terminating its borrower insurance contract. In the future, all French borrowers will be able to get rid of their “real estate” loan insurance by playing the competition and thus regaining some purchasing power. For the time being, naked households can only change it during the first year of subscription and on each anniversary date of the contract. They will soon be able to do it whenever they want. This new provision must enter into force on 1 June 2022 for new contracts and on 1 September for those already signed. Finally, this text strengthens consumer information about their rights and increases penalties for non-gambling banks and insurance companies.
The bill must now be valid as defined by the Assemblée nationale on 10 February and in the Sénat on 17 February. As long as it has the support of the government, the majority LREM and LR, this should not be a problem. It will then have to wait for its promulgation in the Official Journal.
“All rights reserved. © Handicap.fr. This article was written by Emmanuelle Dal’Secco, journalist Handicap.fr”