Crédit Mutuel announced on Tuesday the removal of the health questionnaire with a view to obtaining a loan for the purchase of a primary residence for its “
loyal customers
”.
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"
As of today, our loyal customers will no longer have to complete a health questionnaire for the acquisition of their main residence
", will therefore "no
longer have medical formalities
" and "
will no longer be subject to of surcharges or exclusions linked to their state of health,
”said the group in a press release.
"Getting the market moving"
The system is applicable to customers having their main income domiciled with Crédit Mutuel for seven years, for an insured amount of up to 500,000 euros per borrower for policyholders aged 62 and over.
Eligible customers who already have creditor insurance with Crédit Mutuel will have any additional premiums or exclusions removed as of December 1.
The cost of this measure is estimated at 70 million euros per year, we told Crédit Mutuel, where we want “
it to become a new market standard, regardless of insurer.
We want to move the market and the public authorities
”so that the legislation evolves.
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“
Equality in health and access for all to property are reflections of a united society.
Lesson too quickly forgotten when we see the return of initiatives which, under the pretext of competition, demutualize the risks and exclude the less young, less privileged and in less good health
”, justifies the president of Crédit Mutuel, Nicolas Théry, quoted in the communicated.