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February 15, 2017.
Until now, people who have suffered from cancer were required to tell their insurer when they wanted to take out a bank loan. This clarification could lead to an additional cost for the insured, or even to exclusion clauses. It is now over, thanks to the “right to be forgotten” which has just officially entered into force.
The “right to be forgotten” will apply for loan requests from former patients
Former cancer patients now have a “right to be forgotten”. Two decrees authorizing the entry into force of this measure were published in the Official Journal and now allow people who have suffered from these diseases in the past not to report it to their insurer when they want to take out a bank loan.
Cancer is not the only disease concerned and the text establishes a reference grid, which adapts this “right to be forgotten” to numerous pathologies which, until now, have obliged borrowers to pay an additional premium or to sign a guarantee exclusion clause. This time is now over and the former patients, who will not have suffered from relapses during the period of time indicated by this grid, will become “normal” borrowers with their organization.
Insurance organizations required to inform their patient of their “right to be forgotten”
Concretely, former patients with breast or cervical cancer will benefit from a “right to be forgotten” after only one year. Other heavier pathologies, resulting from less localized cancers, will see this period extend up to 10 years.. Former patients, cured of pathologies such as hepatitis C, will be able to benefit from their “right to be forgotten” 48 months after their recovery, but on the sole condition that they do not have, at the same time , contracted other infections.
From now on, when taking out borrower insurance, the establishment must provide its future customers with this grid which will indicate to each purchaser whether he can benefit from this right. To verify the proper functioning of this process, the Ministries of Health and the Economy have instructed the Prudential Control and Resolution Authority (ACPR) to ensure that the “right to be forgotten” of each former employee is respected. patient.
Read also: Understanding the different phases of cancer
Sybille Latour