Psychiatric health insurance
Do you want to buy a real estate loan but have a psychiatric illness? In this case, you may encounter some difficulties in obtaining your loan due to a refusal of loan insurance from the lenders.
Play the competition to get the psychiatric health insurance you need to borrow!
To provide a home loan, banks all require borrowers to purchase loan insurance to secure the loan. This allows the assumption by the insurer of the total or partial repayment of credit to the bank in the event of death, disability, incapacity for work or loss of employment of the borrower.
The bank group contract
The insurance systematically offered by the banks is a “group contract”. This type of loan insurance spreads the risks among all insureds and generally offers only standard coverage. As psychiatric illness falls into the category of “aggravated health risks” of insurance, the group contract excludes them. As soon as a risk is higher than the average of the risks guaranteed by a group contract, it is subject to an “exclusion” (aggravated health risks, risky occupations, sports and risky leisure activities). To obtain your mortgage, you need to find another insurance loan that the bank.
The free choice of loan insurance
Effective on September 1, 2010, the Lagarde law opened the right for borrowers to choose their loan insurance. They can opt for the “insurance delegation”, that is to say take out another loan insurance than that of the bank, since the level of guarantee of the delegated contract is at least equivalent to that of the proposed group contract.. It is therefore possible for you to go in search of loan insurance specific to your psychiatric illness.
Use the insurance comparator
By using the online loan insurance comparator, you will save valuable time in your search for loan insurance risk aggravated health psychiatric illness. After your comparative psychiatric health insurance, you can request a simultaneous quote from the insurers to the most advantageous offers.
- Comparative psychiatric health insurance
- Insurance rate psychiatric illness insurance
- Quote insurance psychiatric illness insurance
- Personalized study insurance psychiatric health insurance
- Psychiatric Health Health Questionnaire
- Free reminder of a dedicated advisor
Delegate your psychiatric health loan insurance with Loan-Loan Insurance
Using the services of the insurance broker-Loan-not-expensive:
- You choose your health risk insurance psychiatric health insurance among the cheapest and most successful offers on the market.
- You are well informed and advised
- Your bank can not refuse your delegation insurance loan health risk psychiatric disease.
The AERAS convention
The AERAS (Insurance and Borrowing with an Enhanced Health Risk) agreement is a scheme that helps people who have suffered or have suffered from a health problem to find loan insurance and to borrow.
- Learn more about insurance delegation
- Learn more about the AERAS convention
- Learn more about the Lagarde Law
- Learn more about loan insurance with aggravated health risk
- Contact a specialized risk counselor aggravated health psychiatric illness
- Get a quote insurance psychiatric illness insurance
- Make a comparison insurance psychiatric health insurance