From September 1, the time limit for benefiting from the right to be forgotten for a credit application will drop from 10 to 5 years for people who developed cancer before their 21st birthday.
- The time limit for benefiting from the right to be forgotten when applying for credit will be reduced from 10 to 5 years for healthy people whose cancer was declared between the ages of 18 and 21.
From 1er September, former cancer patients whose treatment has been completed for at least five years will no longer have to declare it to their insurer in order to take out a loan.
Requested for a long time by patient associations, this right to be forgotten concerns both mortgage applications and professional or consumer loans, but is subject to conditions: it can only apply to people whose cancer started between the ages of 18 and 21.
For the time being, only former patients whose cancer treatment ended ten years ago were affected by the right to be forgotten. A period of five was also applicable for juvenile cancers, which occurred before the age of 18. However, the ten-year period is maintained for adult cancers.
No big risk for insurers
For Mehdi Aslam, Aidea adviser, the support service for borrowers of the League against Cancer, this measure should allow first-time borrowers to access loans more quickly. “Admittedly, the borrowers who call us are often over 30 years old and the number of people concerned may be small. However, this measure is important. On these issues, we are moving forward in small steps, but it is these small steps that allow us to make great leaps”he says in an article in the World.
If insurers and bankers accepted this measure at the beginning of 2020 during negotiations carried out within the framework of the Aeras convention (insurance and borrowing with an aggravated health risk) with patient associations, it is because it is considered lower cost by financial institutions. In question : “The limited number of people borrowing in these age groups and the good life expectancy, five years after the end of treatment, of people with cancer between 18 and 21 years old”believes Dominique Costagliola, deputy director of the Pierre-Louis Institute of Epidemiology and Public Health (Iplesp) and administrator of Aids, a signatory association of Aeras.
Indeed, according to a study by the National Cancer Institute (Inca), the five- or ten-year survival rate after stopping treatment for cancer in a population aged 18 to 21 varies little: it is respectively of 85.9% and 83.6%.
A new stage now for associations, and in particular the league against cancer : obtain an extension of the right to be forgotten five years after treatment for all cancers, even those occurring after the age of 18 for “encourage people to build their new post-cancer life and carry out new projects, without this cancer continuing to weigh on their daily lives.”
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