More accessible borrower insurance for the sick

To enable people who have suffered from cancer or hepatitis C to obtain a mortgage more quickly and thus reduce the cost of their loan, their conditions of access to borrower insurance have just been relaxed.

In most cases, it is necessary to take out borrower insurance to secure a mortgage.

In order to help people whose state of health does not allow them to obtain standard insurance cover, i.e. without a rate increase or exclusion of guarantees, the public authorities, the professional federations of the sector and patient associations have signed the Aeras agreement (Insuring and borrowing with an aggravated health risk).

However, despite several amendments to this text since its introduction in 2007, the rates charged to former cancer and hepatitis C patients can reach very high amounts, even completely dissuasive to consider real estate acquisition.

To facilitate access to insurance for borrowers who have been sick or are still sick, the law of February 28, 2022 grants them new rights.

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