French Public Health Code
In forceThe agreement provided for in article L. 1141-2 defines in particular:
1° The age requirements for borrowers, and the purpose, amount and term of the loans ;
2° The terms and conditions for informing loan applicants about the provisions relating to access to credit and loan insurance;
3° The conditions under which an applicant for a loan may, during a specified period, take advantage of an offer of insurance, including for a property other than that covered by the offer;
4° Death and disability cover, where required;
5° Guaranteed confidentiality of personal and medical data;
6° A mutualisation mechanism, implemented by insurance companies, mutual insurers, provident institutions, credit institutions and finance companies, making it possible, subject to the resources of loan applicants, to limit the additional cost resulting from the aggravated risk for death and disability insurance for business loans and loans intended for the acquisition of the principal residence;
7° The study and research mechanisms for collecting, analysing and publishing available data on mortality and morbidity resulting from the main pathologies, with a view to providing the statistical data required for risk pricing;
8° The procedure for examining loan applications and the way in which applicants are informed of the reasons for refusal of insurance;
9° A system of mediation between people presenting an aggravated health risk on the one hand, and insurance organisations, credit institutions and finance companies on the other;
10° The composition and operating procedures of a monitoring and proposals body involving the parties and responsible for regularly assessing the achievement of the objectives and commitments of the agreement.
