Insurance and health (AERAS)
Since the 6thJanuary 2007, obtaining credit and the associated credit insurance is made easier for people with a major health risk.
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For consumer credits (except revolving credits): • If you are under 51 years old, • If the total outstanding amount of your consumer credits is less than € 15 000, • If the credit you want to be insured for has a maximum duration of 48 months, You may take out life insurance without any health condition.
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For mortgage loans, home lending products and professional loans: • if the total outstanding amount of your mortgage & home lending or professional loans is less than € 300 000, • if, at the end of the credit you want to be insured for, you will be under 71 years old, The French Insurers Association guarantees the provision of life insurance, whatever your health situation.
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For more information about the AERAS law (getting credit and insurance with a major health risk): • The AERAS website: http://www.aeras-infos.fr/ • The AERAS mini-guide (in French).
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