Aggravated health risk
The situation of an insurance applicant whose health increases the insurer's risk, possibly leading to a surcharge, exclusion or refusal. The AERAS scheme and the right to be forgotten limit its consequences to ease access to credit. A major point of vigilance for the broker.
Key points
- Health condition of an insurance applicant that statistically increases the insurer's risk.
- Can lead to a surcharge, partial guarantee exclusion or insurance refusal.
- The AERAS scheme and right to be forgotten limit consequences for former patients.
- The broker supports the client in finding appropriate cover despite this risk.
Frequently asked questions
How does the AERAS scheme help people with an aggravated health risk?
AERAS (Insuring and Borrowing with an Aggravated Health Risk) requires insurers to follow a multi-level examination process to avoid leaving without a solution those whose health risk was refused at first examination. At each level, other specialized services review the file; if insurance is offered, a regulated surcharge grid applies to avoid prohibitive costs.
What is the right to be forgotten in borrower insurance?
The right to be forgotten allows people cured of certain conditions to no longer declare them on their health questionnaire after a period fixed by a reference grid. This right aims to prevent a former cancer or successfully treated serious illness from permanently handicapping access to insurance. The period and eligibility conditions vary according to the condition concerned.
What mistakes should be avoided when making a health declaration for an aggravated risk?
A false declaration or deliberate omission is the most serious mistake: it exposes the borrower to the insurance contract being voided at the time of a claim, leaving the entire debt their responsibility or their heirs'. The broker must systematically advise full transparency and support the client in formulating answers without distorting them.
In practice
A client in remission from cancer treated 8 years ago is refused the bank's group insurance; thanks to the AERAS circuit, the broker secures an offer from a specialist insurer with an 80% surcharge, making the purchase project viable despite a significant medical history.
Put it into practice with CourtImmo
See how CourtImmo software helps brokers on this topic:
Official sources
- Right to be forgotten and the AERAS reference grid · AERAS
- What is the Aeras convention for? · Service-Public.gouv.fr
- Borrower insurance for a mortgage · Service-Public.gouv.fr