Question 16605 — banks and financial institutions

Summary

Mr. Charles Sitzenstuhl alerts the Minister of the Economy, Finance and Industrial, Energy and Digital Sovereignty to the exclusion clauses for pre-existing pathologies in borrower insurance contracts. Law No. 2022-270 of February 28, 2022 relating to fairer, simpler and more transparent access to the borrower insurance market aimed to facilitate access to insurance and real estate credit in reducing medical selection. However, this selection still exists, with certain insurances providing exclusion clauses for illnesses pre-existing when the contract is taken out. A practice which risks depriving certain policyholders of the possibility of modifying their coverage. He asks the Government's intentions as well as the measures likely to be taken to regulate and limit these exclusion clauses.

Machine translation from French. The official text remains authoritative.

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