Have you been operated on or hospitalized in recent years? Did I have diabetes? Cholesterol? Are you on medical treatment? In the last five years, have you had a work stoppage of more than twenty-one days? Pour to apply for a loan to use it in the house or in the apartment, to answer what kind of questions is unavoidable; this allows you to access the generally required insurance at the bank.
“East”, or rather “era”. Car, from 1er June, the real estate loan insurer no longer has the right to request information on your “State of health or medical examination”. A ban introduced by the Senate in a bill on borrowing insurance voted in February.
It is difficult not to talk about a revolution as this measure of the Lemoine law – named after the deputy of Seine-et-Marne Patricia Lemoine (Agir) – upsets the insurance logic that prevailed until now.
To understand, you need to know that the insurer, which has to reimburse all or part of the monthly loan payments to the bank in place of the insured and dies or has a serious problem, uses the data collected on the health of the insured. candidate to assess the risks he takes by insuring him. When he considers that he is more likely than another not to pay his monthly payments, he usually applies surcharges (higher rates) and / or warranty exclusions, or even refuses the file.
60 years, 200,000 euros
At the beginning of June, he can no longer do this kind of exercise if the loan repayment is completed before the client’s 60th birthday and the amount of the unsecured loan does not exceed 200,000 euros: the health questionnaire is in effect deleted in these cases. The health of the borrower concerned therefore plays more on the price and level of insurance.
Simple and effective? This is the hope of patient associations that strive to facilitate access to credit for patients and former patients and to strive for equal treatment. More difficult to anticipate all the impacts of the measurement.
Then some perverse effects for borrowers. “We salute this gigantic step for the sick and ex-sick but lack visibility”This is the response of Mehdi Aslam, who coordinates Aidéa, the Cancer League’s borrower support service.
“We invite insurance and banking actors to communicate how to apply the clear way.”says Mehdi Aslam (Cancer League)
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