Strengthening the monitoring of the convention

Belorgey convention gives way to a new conventional system of access to insurance and to the credit of people aggravated risk of health. Effective January 1, 2007, sick people will benefit provisions of the convention Areas ensuring and borrow with a risk compounded health whose scope has expanded significantly.

Improvement of the information. The first boundary of the Belorgey convention was the lack of publicity about its existence and its scope. Now, all the signatories to the Aeras convention will need to know the device "so that the public is informed very upstream process", summarizes the FBF. A way to emphasize that the information, if it is based largely on credit institutions must be relayed by the public authorities and the associations of sick.

Enlargement of the scope. Associations of patients fought to ensure that the different age thresholds, duration and amount are less restrictive. Result, professional real estate lending (including obtaining is subject to medical questionnaire), the maximum amount to be borrowed by a person in aggravated risk is 250,000 to 300,000 euros, and the condition of duration is thrown. That remains an age of borrowing limit to seventy years. For (not subject to medical questionnaire) consumer loans, the maximum amount is raised from 10,000 to 15,000 euros, the age limit from forty-five to fifty years. The term of the loan is however maintained in four years.

Extension to the disability.

One of the limitations of the previous convention was its scope limited to the insurance-death, while banks require almost systematically excess coverage in disability. The new device is extended to disability "for the part of the risk which may be technically insurable. Insurers agree to cover the PTIA (loss total and irreparable of autonomy) and offer additional coverage about representing "one third of the insured in the second category of disability", in other words one-third of insured persons unable to work. To avoid any hiatus, banks, on their side, "commit to base their decision to loan on the sole criterion of the solvency of the candidate to the loan. And for border device, "the signatories undertake to define in common here in late 2006 a process and indicators to monitor the achievement of this objective, and to review the results obtained within a period of 18 months".

Pooling of the surcharges. Any person whose income is less than or equal to the ceiling of the social security will benefit sharing mechanism totally private set up by the insurers and bankers. The insurance premium will be then limited to 1.5 point of TEG (insurance costs between 0.75 and 1 point of TEG in normal time), which limits to 250 of premium level.

Strengthening the monitoring of the convention.

The first convention was by inadequate reporting. The Monitoring Committee (composed of 3 representatives of banks, 3 insurance, associations, State 4 6 and 7 qualified members) will see its powers strengthened. A commission of studies and research is explicitly responsible for collecting data on the mortality and morbidity, data that may occur in the calculation of the surcharge. The new mediation commission, who will intervene if missed, is expected to evolve procedures if necessary.