An extended "right to be forgotten"
To obtain loan insurance as part of a mortgage, you must complete a questionnaire detailing your health problems, medical history, etc.
However, borrowers presenting an aggravated health risk benefit from a right to be forgotten. This means that there is no obligation to declare certain pathologies to the insurance. And this, without additional premiums to pay.
Thanks to the Lemoine law, published in the Official Journal of March 1, 2022, this right to be forgotten has been reinforced. From now on, a borrower no longer has to declare to the insurance a cancer or hepatitis C occurring after the age of 21 if the therapeutic protocol has been completed for at least 5 years.
This period was previously 10 years. Another novelty: borrowers are no longer required to complete a medical questionnaire if the amount of the mortgage is less than €200,000 per borrower (€400,000 for a couple) and the term of the contract occurs before their 60th birthday.(translation by Google translate)
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