{"id":5576,"date":"2012-04-30T20:01:11","date_gmt":"2012-04-30T20:01:11","guid":{"rendered":"https:\/\/gregorydamy.niceavocats.fr\/?p=5576"},"modified":"2023-08-19T05:36:02","modified_gmt":"2023-08-19T05:36:02","slug":"health-assessment","status":"publish","type":"post","link":"https:\/\/gregorydamy.niceavocats.fr\/en\/health-assessment\/","title":{"rendered":"Update on the regularity of a health questionnaire when taking out a loan"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.19.5″ custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.19.5″ _module_preset=”default” background_enable_mask_style=”on” background_mask_style=”wave” background_mask_color=”rgba(0,0,0,0.08)” custom_padding=”||6px|||” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_circle_counter title=”Estimated reading time (in minutes)” number=”2″ percent_sign=”off” _builder_version=”4.20.2″ _module_preset=”default” title_font=”Amiri||||||||” max_width=”137px” global_colors_info=”{}”][\/et_pb_circle_counter][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/gregorydamy.niceavocats.fr\/wp-content\/uploads\/2012\/04\/2017-03-29network-security.jpg” title_text=”2017-03-29network-security” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Text” _builder_version=”4.21.0″ text_font=”Amiri||||||||” header_2_font=”Amiri||||||||” header_3_font=”Amiri||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

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When taking out a\u00a0<\/span>loan<\/span><\/a>\u00a0, questions about\u00a0\u00a0<\/span>health\u00a0<\/span>\u00a0may be asked.\u00a0Is it legal?\u00a0<\/span>What can or cannot be asked of us?\u00a0<\/span><\/span>Does this information condition the granting of a loan?<\/span><\/p>\n

Insurance yes, bank no<\/span><\/h2>\n

It is the insurance and not the bank that is entitled to ask questions about the state of health.\u00a0The insurer then wishes to assess the risks it bears.\u00a0Depending on the age of the borrower and the amount of the\u00a0\u00a0<\/span>loan\u00a0<\/span>\u00a0, the information requested is more or less detailed.\u00a0He may ask for a simple sworn declaration of good health, but this may involve analyses, complete examinations\u2026 In general, there is first a medical questionnaire.\u00a0The insured must give exact answers to specific questions asked by the insurer.<\/span><\/p>\n

What cannot be asked<\/span><\/h2>\n

The insurer is prohibited from requesting or using genetic tests even with the consent of the insured.\u00a0In addition, he must ensure strict compliance by his services with medical secrecy.\u00a0Nor should the bank clerk be able to read the medical questionnaire which must be sent to the insurance company under seal.\u00a0Nor does the insured’s attending physician have to respond directly, without the insured’s consent, to the insurer’s requests for clarification.<\/span><\/p>\n

If I give a wrong answer<\/span><\/h2>\n

In the \u201cState of health\u201d questionnaire, care must be taken to give the correct answers because the consequences can be serious.\u00a0In the event of involuntary fault, there is a rule proportional to the premium: the indemnity due by the insurer is reduced in proportion to the insurance premium that the insured would have had to pay if he had correctly declared his risk.\u00a0.\u00a0If it is a false declaration, we expose ourselves to the nullity of the contract.\u00a0In this case, the insurer must prove that the error was made in bad faith.<\/span><\/p>\n

Free choice of insurance<\/span><\/h2>\n

Since 2010, we are no longer obliged to subscribe to the insurance taken out by the banker.\u00a0You are free to choose the insurer of your choice.\u00a0We must therefore play the competition because we can then find an insurer who will offer an equivalent level of guarantee with simpler acceptance conditions.<\/span><\/p>\n

If the insurer refuses<\/span><\/h2>\n

The insurer is entitled to refuse the loan and does not have to justify its refusal.\u00a0In general, this is the case when he considers that there is an aggravated risk.\u00a0In case of refusal, know that you can benefit from the AERAS Convention (Insure and Borrow with an Aggravated Health Risk).\u00a0<\/span>This agreement offers a solution to people who have or have had a serious health problem and allows them to find a guarantee, but the loan must not exceed 4 years and the request must be made before the age of 50. In addition, this Aeras\u00a0agreement includes a right to be forgotten, in particular for people cured of cancer whose treatment ended at least 15 years ago.\u00a0<\/span><\/span>These people are not required to declare it to the insurer, cannot be subject to an additional premium or be excluded from cover.<\/span>
DAMY Law Firm<\/span><\/a>\u00a0, Nice, Health Questionnaire\/Getting a Loan, Update 2022<\/span><\/p>\n<\/div>\n

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When taking out a\u00a0loan\u00a0, questions about\u00a0\u00a0health\u00a0\u00a0may be asked.\u00a0Is it legal?\u00a0What can or cannot be asked of us?\u00a0Does this information condition the granting of a loan? Insurance yes, bank no It is the insurance and not the bank that is entitled to ask questions about the state of health.\u00a0The insurer then wishes to assess the risks […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[332],"tags":[],"class_list":["post-5576","post","type-post","status-publish","format-standard","hentry","category-banking-law"],"yoast_head":"\nUpdate on the regularity of a health questionnaire when taking out a loan - Soci\u00e9t\u00e9 d'avocats Damy<\/title>\n<meta name=\"description\" content=\"Health assessment When taking out a loan, questions about health may be asked. Is it legal? 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