To grant a loan, financial institutions are also interested in your state of health in order to assess their risk taking. Lighting on the importance of the medical file.
Contract insurance for his loan is not a legal obligation. However, in fact, financial institutions systematically ask for it to limit their risk as much as possible. Besides,
A very specific questionnaire
Whatever the loan, your bank has the right to submit a series of questions. They should allow him to assess your state of health. “Have you carried out a HIV test?”, “What is your alcohol consumption?” … Do not be surprised at precision, even the degree of intrusion of the questions asked. “For people who have taken out a loan of an amount greater than 150,000 euros, additional examinations may even be requested, adds Stéphane Gobel, coordinator of the Info Rights health league, an interassociative collective for health information (CISS). The only restriction concerns genetic tests”. And yes, French law has not yet authorized DNA tests.
Of course, you are free not to answer questions or refuse a medical examination, but your credit file will be closed instantly, with a negative opinion! Which is not the goal. On the other hand, nothing forces you to respond orally or directly to your banking advisor. “We advise to put this questionnaire in writing to the insurer’s advisory doctor,” said Stéphane Gobel.
Your responses determine the cost of your borrower insurance
Once tried to answer the medical questionnaire, pay attention to your statements. They have a direct link with the cost of the insurance you will have to bear to obtain funding. And you have to be clear: at the slightest declared pathology, you become a person with health risks, so the insurance premium will increase dangerously. “Depending on the disease, surprises can represent up to 300 % of a classic price,” said Stéphane Gobel. Worse, even by paying the high price, these people are most often covered in the event of death, and not in case of disability. And people with more serious illnesses such as recently declared cancer can even be refused insurance.
In this context, to increase their chances of seeing their file accepted or to avoid paying the surprise applied to people presenting more risks, he becomes tempting to keep his health problems. “This is not the solution,” says Stéphane Gobel. If the insurance company discovers the pot with roses, you will no longer be protected in the event of death or big health problems. You will therefore no longer be able to hope for compensation “. Better to play the card of sincerity. Especially since the situation may not be dead end with the application of the Aeras Convention.