easier access to credit for certain pathologies

Among the issues at the time of contracting a real estate or professional loan: the insurance of this loan, which must protect the borrower and his family in the event of an accident of life, and which will often weigh heavily in the monthly payments.

If the subject is complex for all borrowers, it turns into an obstacle course as soon as said borrower has been diagnosed with cancer or suffers from a chronic disease: he will often suffer additional cost of insurance (the “surcharges”) pharaonic , exclusions of guarantees (refusal to cover certain risks), or even refusal of insurance.

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Could we insure the loans of some of these borrowers under better conditions? Yes, if we prove to insurers that a given category of population affected by such a pathology has a normal or almost normal life expectancy. So does not present an excessive insurance risk. It is, in summary, the idea which governs part of the work carried out within the framework of the convention Aeras (acronym for “insure and borrow with an aggravated health risk”).

The result of consultations between insurance professionals, associations and scientists, this multifaceted agreement aims to facilitate access to borrower insurance, and therefore to credit, for people affected by the disease (there was an aggravated health risk in 12% of 4.3 million requests insurance for real estate and professional loans educated in 2019).

Important development in March

In practice, pathologies are listed in a ” reference grid – breast, prostate, testicular cancer, HIV, hepatitis C, cystic fibrosis, etc. If you are concerned and your medical situation corresponds to the criteria set (seriousness of the disease, date of end of treatment, etc.), the insurers undertake to make you a proposal including at least certain guarantees and with capped additional premiums, or even, for certain diseases, without additional premium or exclusion.

The system, which is regularly updated, is aimed at borrowers whose pathology has little effect on life expectancy, but who do not fall under the “right to be forgotten” (right not to report their cancer to the insurer if the treatment has been finished for ten years, in the general case).

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An important change in the grid was made in March for people living with HIV. “Until now, to benefit from the grid, they had to have been diagnosed early, never have reached the AIDS stage, etc. This immediately excluded half of people living with HIV. From now on, it is no longer the history of their illness that counts, but their current state of health, summarizes Dominique Costagliola, epidemiologist at Inserm and administrator of Aids, signatory of the agreement. In the latest negotiations, life expectancy was shown to be close to normal for people treated with HIV, with an undetectable viral load and CD4 cells. [cellules immunitaires] in sufficient numbers, which is very often the case. “

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