insurance
medical exams

Understanding Medical Checks

Once you have chosen your insurance and signed up, you will be asked to complete medical checks.

Why do I have to complete medical checks?

Though sometimes considered tedious, medical checks are necessary for insurers: they allow them to better assess the risk they will take by insuring your loan and will enable them to offer you a rate that best fits your situation.

In general, there are two types of medical checks:

  • Self-administered health questionnaires
  • Medical examinations or reports

GOOD TO KNOW: WHAT DETERMINES MEDICAL CHECKS
Medical checks are based on your policy, age, outstanding insured loan amounts and health status:

  • Beyond a certain age and insured loan amount, the insurer may require you to complete a very thorough medical assessment.
  • If this is not necessary, and if you don't have any medical information to declare, you will only have to complete a simple self-administered health questionnaire for your medical check.

Self-administered health questionnaires

In general, health questionnaires contain several questions. You must answer them yourself as accurately and specifically as possible.

This will allow the insurer to study any medical history you might have (past surgeries, ongoing medical treatments, work leaves, specific diseases, etc.) in order to assess the potential risk.

PLEASE NOTE: IF IN DOUBT, IT'S BETTER TO SAY TOO MUCH THAN TOO LITTLE
It is best you not hide anything about your health or medical history from your insurer. It is the only way you can receive proper coverage and avoid, in the event of a claim, the unpleasant surprise of your insurer refusing coverage due to a "false declaration."

PLEASE NOTE: CONFIDENTIALITY OF HEALTH-RELATED DATA
The information you share with us is covered by medical confidentiality and will be kept in compliance with the principles of the French Data Protection Authority (Commission Nationale Informatique et Libertés, CNIL).

PLEASE NOTE: THE RIGHT TO BE FORGOTTEN
In September 2015, the revised AERAS (Insurance and Loans with Increased Health Risks, s'Assurer et Emprunter avec un Risque Aggravé de Santé) Agreement added the "right to be forgotten" for former cancer patients. Now you will not have to indicate your previous illness if you are in remission (according to the defined regulatory conditions). This means that this will no longer lead to increased insurance premiums or exclusions.

Medical Examinations

1When the health questionnaire is not enough

Did you declare medical information in your health questionnaire? It is likely that the insurer will ask you to have your treating physician or specialist fill out a detailed medical questionnaire on the disease or condition you declared. You will need to provide copies of any medical examinations in your possession.

2Beyond a certain age or a certain insured loan amount

Have you exceeded the thresholds? You will have to undergo a health assessment consisting of a doctor's visit with a medical report filled out by your physician, a medical test (blood or urine) and potentially a heart examination (which checks you will undergo will depend on the insurer).

PLEASE NOTE: FEE REIMBURSEMENT
In general, the insurer will pay for all medical fees you incurred when you completed the examinations required for signing up.
Some insurers will offer you a network of Approved Medical Centers so that you can complete all your medical checks in one place without having to advance any fees.

What happens afterward? The different possible outcomes

Once you complete your medical checks and your file has been examined, your insurer may:

  • accept your file at a base rate or
  • send you an approval offer with an increased price called an extra medical premium and/or a partial or total exclusion from certain types of coverage or
  • reject your file because they cannot offer you a rate in view of your analyzed medical results. You can then request a new study of your file as part of the AERAS Agreement.

GOOD TO KNOW: LOAN INSURANCE WITH THE AERAS AGREEMENT
The AERAS Agreement makes it easier for people with increased health risks to access loans and insurance. It provides specific coverage mechanisms for mortgage or business loans and respects confidentiality rules for requested data.

Have a question?

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For assistance or to make a claim/contest a charge, your advisor can be reached on their direct line (a standard rate call).