Bank loans: for cancer patients the “right to be forgotten” goes from ten to five years

Victory is at the end of the road… For former cancer patients, the ‘right to be forgotten’ should soon be reduced from ten to five years. Those who apply for a loan from the bank no longer have to report their illness five years after the end of their treatments (chemotherapy, radiotherapy, etc.).

Facilitate borrowing

The news comes at the right time, because today is World Cancer Day. On Thursday, Feb. 3, senators and deputies gathered in a joint joint committee to shorten the deadline for the right to be forgotten. It has even been extended to people with hepatitis C.

Specifically, people who have overcome cancer today in France, in order to take out a loan, are often forced to pay significant premiums. An inequality that Emmanuel Macron promised to remedy during his 2017 campaign. A few months before the end of his mandate, his promise must finally be fulfilled.

“On average, the premiums go up to 300%”explains Isabelle Huet, general manager of the RoseUp association, which is implementing this change, on the site of France 24. “It also happens that these borrower insurance policies contain exclusions, ie you pay but are not covered for certain risks. Finally, some people prefer to give up their plans or are led to lie.”

In order to be finally adopted and come into force, the compromise text validated by the Joint Joint Committee (CMP) must first be voted one last time by the National Assembly next Thursday and the Senate on February 17.

Back to “normal life”

With this right to be forgotten, ex-patients and ex-patients no longer have to be obliged to inform the bank and insurance company about their past situation when applying for a mortgage or professional loan, as soon as five years after completion of the their treatment takes place.

In addition to this advance, a novelty has been added to the arsenal of good news. From now on, the person taking out the loan no longer needs to complete a medical questionnaire for a home loan of less than 200,000 euros and the term of which falls before the age of 65.

“This is a historic vote. This allows cured people to access the loan under normal circumstances. (…) It is five years won for the former patients”summarizes Isabelle Huet. They can finally get rid of this kind of ‘criminal record’ that sticks to their skin.”

To understand the impact of this new measure, re(discover) the testimony of Perrine, a former betting patient here and that of Céline Lis-Raoult, the founder of RoseUp, there.

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