Cédric does not hide it: he lied to the insurer in 2020 when he took out his mortgage. Because he was afraid of being refused insurance and having to give up his project, he kept his HIV positive, detected eight years earlier. “It was important, it was our first apartment purchase”, tells this 42-year-old steward.
Scared by a previous insurance request, a provident fund refused on the grounds that he was HIV-positive and had contracted hepatitis C a few years earlier, he preferred to hide the truth this time. Even if he knows it’s risky. And lying costs him.
“See these two pathologies mentioned as grounds for refusal (…) made me feel dirty and abnormal. It’s violent (…), because I do not feel ill under any circumstances, ”indignant Cédric in a letter sent in mid-May to several ministers, including that of health.
While not all of them write to Olivier Véran, many HIV-positive people report having lied to secure a loan, for fear of seeing their file fail or of being offered only very expensive insurance for poor coverage.
“They are shocked by the wall that stands in front of them when they want to borrow for housing or for their professional activity. They don’t understand, because there is a gap between the way they live with HIV, in good health, and the exclusions of guarantees and surcharges. [surcoûts d’assurance] imposed on them for health reasons, it is felt to be an injustice “, explains Chloé Le Gouëz, advocacy officer at the Aides association.
Relaxed criteria
Good news, however: they should see their access to borrower insurance, and therefore to credit, facilitated by a recent initiative. Since March, the criteria allowing them to benefit from the Aeras reference grid have in fact been relaxed.
What is the Aeras reference grid? This is a list of pathologies for which the borrower insurance terms and conditions are supervised, the insurers having undertaken, in the context of consultations with associations, not to exceed certain levels of additional premiums and to offer certain minimum guarantees for them. real estate and professional loans.
This list, which is regularly updated, is one of the components of the Aeras agreement (acronym for “insure and borrow with an aggravated health risk”), which aims to facilitate access to loans for people who have been critically ill or chronically ill.
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