Broker insurance loan aggravated health risk
Real broker specializing in loan insurance and credit insurance for borrowers who have or have had a health problem; Cheap loan insurance, the independent multi-card broker relies on its network of companies to set up creditor insurance delegations, to offer all borrowers and especially those considered at risk by conventional banking insurance; a cover that responds to all situations with costs studied according to each profile and pathology.
Why is it so difficult to be sure when you have health problems?
To answer this question, it must be kept in mind that insurance companies set their prices by assessing the risks they take to cover a loan. This calculation of the risk depends on several criteria: the amount of credit, its duration but also data concerning the borrower himself: his age, his professional situation, his state of health, his way of life.
Taking into account these elements, the people suffering or having suffered from serious pathologies represents a significant risk for the insurers: indeed a disaster (death, incapacity …) will be more probable with this profile of borrower than in the case of a person of 25 years for example.
To assess this risk, each borrower completes a medical questionnaire in which he specifies his state of health, and the history of the latter. Because of this, many people are tempted to lie or omit certain information in their questionnaire, in despair of being able to get credit. Keep in mind that any lie, any omission will result in the nullity of the credit insurance contract, for summary you will not be covered in case of disaster, so do not lie, be honest, cheap loan insurance will put everything in work to find a loan insurance solution despite your health problems (whatever they are: cancer, hiv, diabetes, hypertension, kidney failure, …).
Best insurance rate for a borrower with a health problem
The rate of loan insurance and the amount of monthly loan insurance are tightly negotiated, the insurance of your loan is an essential component to consider the future and the coverage of your investment in an efficient and serene.
Health problem and medical questionnaire loan insurance
- cancer loan insurance
- credit insurance hypertension
- diabetes loan insurance
- AIDS loan insurance
To guarantee your mortgage is to commit to large sums for a long time. Loan insurance represents a large budget in terms of repayment.
In many cases, loan insurance is neglected both in terms of cost and coverage. You are sure to find the best coverage formula consistent with your situation and your project.
We guarantee you substantial savings on the total cost of your credit in addition to optimized coverage.
Medical claim covered by the loan insurance
If a covered risk occurs, the insurance company will do some research to check the insured’s file. and thus ensure that the borrower has not made a false statement (medical questionnaire), if any, will be easily aware of it. Pay attention to the following points:
- Any dispute can not call into question the payment of the insurance premium to cover the risk.
- It’s up to you to bring proof. She must bring the evidence that you made a false statement.
- Any evidence of misrepresentation must be with the insurer at the time of the declaration of the claim. After the incident and if there is a dispute, only a court-appointed medical expert may have access to the medical file of the insured person involved.
- In case of access in another case of figure and thus of violation of the medical secret, do not hesitate to assert your rights.