Get aBorrower insurancein spite ofincreased health riskThis is more systematically synonymous with complex journeys: thanks to advances such as the Lemoine law and the AERAS convention, access to real estate credit has expanded, with clarified approaches, tight deadlines and adapted options even if your medical journey is difficult. Now everyone can realize their project without losing sight of personalized guarantees and sometimes realize very significant savings.
Can we secure a mortgage with an increased health risk?
Even with a chronic illness or a difficult medical history, it is still possible to purchase borrower insurance. Several legal devices facilitate the acceptance of your application, reduce overprime and help circumvent certain exclusions. In practice, up to50%savings are available compared to group banking insurance, and there are specialized insurers capable of delivering a medical response in less than an hour.
Since the application of the Lemoine law and the strengthening of the AERAS convention, you have received new rights – removal of the medical questionnaire for a loan of less than200 000 €, right to be forgotten for cancer or hepatitis C after5 yearswithout relapse, and mediation in case of refusal or exclusion. Alternatives such as insurance delegation or the use of a specialist broker, which is regularly more flexible than a conventional bank, are also found. Behind each project is sometimes a complex medical history, but your health is no longer necessarily a definitive obstacle.
What is an aggravated health risk in borrower insurance?
According to insurers, this term covers any situation where the state of health poses a high risk of payment of credit-related benefits.
The pathologies involved? We think of cancer (whether recent or old), diabetes, chronic diseases such as multiple sclerosis or HIV, serious psychiatric history, but also certain professions or sports practices at risk. The medical questionnaire must be filled in in a way that is consistent, but there are times when a recent change in regulation changes an insurer's view of your profile.
Here are some useful references:
- A disease in remission: for example, theRight to be forgottenafter 5 years without relapse for cancer
- Diabetes, hypertension or stabilized heart disease: overprime may occur, but it is not systematic
- Reported chronic pathology: the file is usually studied within 1 to 5 weeks depending on the level of the AERAS device
Some insured persons say that the refusal of their files was due to lack of explanation or a lack of knowledge of recent advances: quality support often makes a difference.
How does borrower insurance work with increased risk?
Borrowing insurance is relatively structured, however, every aggravated risk case requires a thorough analysis governed by law. The issue is to define the applicable guarantees, exclusions and specific financial conditions.
Typical path and steps in the folder
The process begins with a medical questionnaire to be completed carefully, sometimes with the results of your doctor's examinations or attestations. Once the profile is complex, the file is forwarded to a medical committee (AERAS: up to three levels of review) where the opinion can be mediated.
In general, the answer comes between 1 and 5 weeks but some digital insurers likeMacif/Securimutguarantee an express study in less than an hour. During the simulation phase, you can adjust the coverage (DC, PTIA, ITT, IP, job loss) according to your needs. Refusals are explained, exclusions are detailed, and surcharges are framed. It is also possible to opt for an individual contract via the insurance delegation, this right favours a choice more suited to your profile.
Guarantees, exclusions and effects of the questionnaire
The main guarantees concern: death (DC), total and irreversible loss of autonomy (PTIA), temporary incapacity for work (ITT), permanent disability (IP). It is the pathologies that impact these risks that trigger discussions, investigations and sometimes surprises.
It is not uncommon to worry about reading the list of diseases: however, the Lemoine law and the AERAS agreement require the insurer to justify the exclusions and guarantee access to the real estate loan in most cases "at increased risk".
| Type of guarantee | Increased risk impacted |
|---|---|
| Death/PTIA | Heavy history (cancer, stroke) |
| ITT/IP | Diabetes, chronic diseases, psychiatric disorders |
| Loss of employment | Occupation at risk, prolonged disorders |
AERAS and Lemoine law: what changes in practice
AERAS (Ensuring and Borrowing with an Aggravated Health Risk) and the Lemoine Act are today the main supporters to hope for insurance, even with a health problem. Both promote access to credit, simplify procedures and set deadlines for decisions.
AERAS: mediation, ceilings and deadlines
The AERAS agreement, adopted by the insurers, structure the medical examination into three levels, with the possibility of mediation. The maximum credit limit:420 000 €. Response time:5 weeks, while a few years ago it could spread for several months. In the event of a refusal at the initial stage, the file is transferred to a higher committee for review and possibly mediation. A specialised court recently showed that some "re-assembled" cases received a new look and increased attention.
Mediation is not limited to an administrative procedure: each candidate is entitled to a reasoned opinion and can rely on the support of a broker for example. Some insured persons also give a positive feedback on this personalized follow-up.
Lemoine law: abolition of the medical questionnaire and right to forget
Since June 2022, appropriations of less than200 000 €no longer require a health questionnaire, under some conditions. This is a significant change, especially for first-time entrants: formalities are relaxed and the old history no longer raises questions. The right to be forgotten applies to cancer or hepatitis C after 5 years without relapse: no exclusion or questioning on this subject.
Some profiles note that this change opened the door: a user reported « After the Lemoine law, my case passed without difficulty, when eight years ago my cancer had been blocked. » As such, new measures can actually reverse the trend.
Surpress, exclusion, refusal: how to react?
When an aggravated risk is detected, group insurance can apply a surcharge (tariff increase), exclude certain guarantees or, more rarely, refuse the file. This is never a fatality, and there are now concrete means for each case.
Overprime/exclusion/refusal difference: practical table
A glimpse to find it better:
| Situation | Reaction/Option |
|---|---|
| Premium (rate +50%) | Compare multiple brokers, simulate a delegation, negotiate with a full medical record |
| Exclusion (e.g. disability) | Study offers from other insurers, seek mediation AERAS, explore partial guarantees |
| Refusal | Consider recourse to AERAS mediation, contact a specialized broker, search for specific individual contracts |
Practical advice in case of difficulty
Among the advice more regularly shared by professionals: it is better to ask at least two specialized insurers and prepare as accurate a medical file as possible (recent check-up, follow-up certificate, letter from your doctor). This usually offers a real lever it is not uncommon to get up to34 000 €(in MetLife) or12 000 €at Macif economy via delegation or comparison of offers. An expert from the sector recently pointed out how the quality of the medical record could reverse the trend towards study.
A question about the course or the argument? Don't hesitate to ask for guidance from an advisor even if it may seem "out of standard": this demand is increasingly valued and regularly accelerated.
Compare and choose your insurance with health history
The selection of borrower insurance becomes strategic when a profile is deemed "at risk". To maximize your chances and lighten the bill, understand the contracts and use the simulators is essential.
Comparison tables and simulators
Online simulators have become the norm: immediate quote, quick return. The real differences lie in the actual annual rate of insurance (TAEA), the management of the medical file and personalized accompaniment. In delegation, TAEA may descend to0,25%(MetLife), while the banking group contract sometimes displays0,73%. It is almost always advisable to do a simulation, even if your situation seems atypical.
| Insurer | Typical TAEA | Potential economy |
|---|---|---|
| MetLife | 0,25% | Until34 000 € |
| Macif | 0,28% | Until12 000 € |
| Standard banking | 0,73% |
Some brokers share that even in an emergency, a simulation can unlock, in some cases, the file and enjoy more favorable offers.
Tips for getting a better contract
First recommendation: do not settle for one offer. Next, it is advisable not to exclude the specialist broker: he knows the insurers « Off-bank », which often translates into a precious gain in time or money. Finally, do not hesitate to consider the social evidence: a note of4,4/5on Google or5/5At MetLife sometimes reassures more than we think... even if this data appears secondary.
And for those who are in a tight time: Macif/SECURIMUT propose a medical study within an hour. This can be decisive in an urgent purchase.
Building a Strong and Reassuring File
A well-built file plays a central role in accepting and obtaining a correct tariff. A few tricks make it possible to take advantage of the advances and avoid certain tricks of the administrative journey.
Checklist, and practical tips
It is best to gather for each step:
- Recent medical assessment (less than 6 months old)
- Your doctor's certificate or letter on the stability of the pathology
- Justification for appropriate follow-up or treatment
- AERAS form or health questionnaire completed specifically
An insurance trainer pointed out that transparency and the preparation of the file are frequently welcomed by insurers, even in the event of a complex medical career.
Errors to avoid and points to value
A common mistake: forget or minimize a history, or even provide an incomplete file. On the other hand, consider highlighting any positive developments (remission, effective treatment, no relapse for 5 years). A proactive approach generally reassures the insurer, and may reduce the impact of the premium or exclusion. Sometimes, a simple exchange with an advisor helps to avoid a rushed decision and saves thousands of euros.
FAQ about sensitive situations
The most frequent questions concern mainly the fear of refusal, the right to be forgotten, the comparison of guarantees or personalized accompaniment. Here are some concrete answers to each case:
What is an aggravated health risk?
See at the beginning of the guide: any illness, disability or professional/sports context that may increase the risk to the insurer.
Can I get a mortgage if I had a serious illness?
Yes, subject to measures such as the right to be forgotten, AERAS mediation, and sometimes a moderate overprime.
Does the Lemoine law really remove the health questionnaire everywhere?
No, only for credits less than200 000 €under certain conditions.
What is the AERAS Convention?
An official protocol that guarantees access to credit in case of complex medical records. Maximum time:5 weeks.
What to do if you refuse insurance?
Request AERAS mediation, seek assistance from a specialist broker or seek an individual contract.
Do I have to go through a broker to avoid overprime or exclusion?
This is not mandatory, but it is regularly recommended to increase your chances and optimize the price.
How can insurance with increased risk be compared effectively?
Use a simulator, consult several quotes, analyze customer reviews and the proposed accompaniment.
What documents should I prepare?
Medical check-up, follow-up certificate, specific health questionnaire, AERAS file if necessary.
Can we combine overprime and exclusion on the same pathology?
This is rare, but some files considered complex may see these two measures applied: better to compare offers and consider mediation.
How much can I save and how can I simulate my case?
Until50%savings compared to group insurance; either12 000to34 000 €According to the profiles. An online simulation is strongly suggested.
Last point to note: Borrower insurance for risk profile must no longer be a brake. With the Lemoine law, AERAS, the delegation and personalized accompaniment, there is now a possible option for every medical or professional history.
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