Maître Jean-Paul FOURMONT

Avocat au barreau de Coutances

Compétences : Droit immobilier, Droit de la famille, des personnes et de leur patrimoine, Droit du travail et social, Assurances des particuliers

Barreau : Coutances-Avranches

Adresse : 3 Avenue Maréchal Foch 50150 SOURDEVAL

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Publié le 11/02/2022

Assurance emprunteur des changements , des négociations pour le droit à l'oubli

Article juridique - Droit des assurances

Par Me Jean-Paul FOURMONT

Assurance emprunteur des changements , des négociations pour le droit à l'oubli

La Commission Mixte Paritaire de l' Assemblée Nationale a voté trois mesures ,concernant l'assurance emprunteur .

Il sera possible de changer d'assurance emprunteur à tout moment ,sans attendre la date anniversaire.Selon toute probalité ,cette mesure devrait entrer en application à partir du 1 er juin 2022.Le marché reste dominé par les banques à 88%.

Le questionnaire médical est supprimé ,pour les prêts immobiliers inférieur à 200000 euros ,et les personnes âgés de moins de 60 ans.

La troisième mesure instaure une réduction du droit à l'oubli de 10 ans à 5 ans ,pour les pathologies cancéreuses et l'hépatite C .Le gouvernement devra prendre des mesures d'ici le 31 juillet 2022 ,concernant les obstacles en cette matière.Si les négociations avec les assureurs n'avancent pas.Le but est d'interdire les exlusions et les surprimes;