Question 18538 — insurance

Summary

Mr. Stéphane Baudu draws the attention of the Minister of Solidarity and Health to the discrimination suffered by people suffering from Parkinson's disease or multiple sclerosis when they use a mortgage loan. Despite the existence of AERAS conventions (insure and borrow with an increased health risk), patients face significant additional premiums as well as total exclusions from PTIA guarantees (total and irreversible loss of autonomy) and ITT (temporary incapacity for work) which seem abusive: insurers exclude all illnesses from these two guarantees, and not the only illness or pathology from which the insured person suffers. Contacted by individuals, the Defender of Rights noted that this discrimination is permitted by 1° of article 225-3 of the penal code, the refusal of insurance guarantees or additional premiums. based on the state of health not relating to behavior prohibited by articles 225-1 and 225-2 of the penal code. However, the Defender of Rights emphasizes that insurers' medical advisors limit themselves to noting the existence of a condition without carrying out a careful assessment of the insured's situation. Finally, he notes that the medical data on which the medical advisors base their opinions are not known, and that it It is not possible to know whether these data take into account the latest medical advances. Therefore, he asks what measures are being taken by the Government to combat this discrimination. In particular, he asks what actions have been taken to ensure that medical advisors carry out personalized assessments that take into account the various medical advances.

Machine translation from French. The official text remains authoritative.

Timeline

No timeline events have been ingested for this record yet.

Votes

No vote records are attached yet.

Versions

No version snapshots stored. Document URLs remain at the source.

Documents

No documents linked.

Sponsors

No sponsors or actors listed by the source.

Related records

No cross-record relationships stored yet.