Chapter I: Access to insurance against the risks of invalidity or death

A national agreement relating to access to credit for persons presenting an increased risk due to their state of health or disability is concluded between the State, professional organisations representing credit institutions, finance companies, insurance companies, mutual insurance companies and provident institutions, as well as national organisations representing patients and users of the healthcare system approved by virtue of article L. 1114-1 or representing disabled persons. The purpose of this…

The agreement provided for in article L. 1141-2 defines in particular: 1° The age requirements for borrowers, and the purpose, amount and term of the loans ; 2° The terms and conditions for informing loan applicants about the provisions relating to access to credit and loan insurance; 3° The conditions under which an applicant for a loan may, during a specified period, take advantage of an offer of insurance, including…

The agreement provided for in article L. 1141-2 is concluded for a period of three years. The agreement and its amendments shall be published in the Journal officiel. For those of its provisions which lay down the conditions of collection and use as well as the guarantees of confidentiality of personal data of a medical nature, the agreement shall be the subject, prior to its conclusion, of a consultation of…

The monitoring and proposals body mentioned in 10° of article L. 1141-2-1 sends an evaluation report to the Government and Parliament no later than three months before the agreement expires.

The national agreement referred to in article L. 1141-2 sets out the terms and conditions and the time limits beyond which persons who have suffered from a cancerous pathology may not, as a result, have their rates increased or have cover excluded under their insurance contracts, the purpose of which is to guarantee repayment of a loan covered by the said agreement. The agreement also stipulates the time limits beyond…

Persons who suffer or have suffered from a medical condition for which the existence of an aggravated health risk has been established may not have their rates increased or their cover excluded on the grounds of the same medical condition for their insurance contracts, the purpose of which is to guarantee repayment of a loan covered by the national agreement referred to in article L. 1141-2.