{"id":3310,"date":"2024-10-01T14:11:18","date_gmt":"2024-10-01T12:11:18","guid":{"rendered":"https:\/\/www.feodus-finance.fr\/defiscalisation\/?p=3310"},"modified":"2024-10-02T14:12:03","modified_gmt":"2024-10-02T12:12:03","slug":"assurance-emprunteur-convention-aeras","status":"publish","type":"post","link":"https:\/\/www.feodus-finance.fr\/defiscalisation\/assurance-emprunteur-convention-aeras\/","title":{"rendered":"L&#8217;acc\u00e8s \u00e0 l&#8217;assurance emprunteur pour les personnes pr\u00e9sentant un risque aggrav\u00e9 de sant\u00e9 : la convention AERAS"},"content":{"rendered":"\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">La <strong>convention AERAS<\/strong> (s&#8217;Assurer et Emprunter avec un Risque Aggrav\u00e9 de Sant\u00e9) est un dispositif destin\u00e9 \u00e0 faciliter l\u2019acc\u00e8s \u00e0 l\u2019assurance et \u00e0 l\u2019emprunt pour les personnes pr\u00e9sentant un <strong>risque aggrav\u00e9 de sant\u00e9<\/strong>. <\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Elle s\u2019applique notamment dans le cadre de <a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/financement-residence-principale-pret-natures\/\">pr\u00eats immobiliers<\/a>, professionnels, ou \u00e0 la consommation, lorsque ces emprunts sont soumis \u00e0 une obligation d\u2019assurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-base-2-color has-accent-background-color has-text-color has-background has-link-color wp-elements-14b5ac23a4dc5f059418108bb9f6ceec\">Objectifs de la convention AERAS :<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Faciliter l&#8217;acc\u00e8s au cr\u00e9dit<\/strong> pour les personnes ayant ou ayant eu des probl\u00e8mes de sant\u00e9 graves, comme un cancer ou une maladie chronique.<\/li>\n\n\n\n<li><strong>Am\u00e9liorer les conditions d\u2019assurance<\/strong> pour ces personnes en n\u00e9gociant des conditions plus favorables.<\/li>\n\n\n\n<li><strong>Prot\u00e9ger les emprunteurs contre la discrimination<\/strong> li\u00e9e \u00e0 leur \u00e9tat de sant\u00e9.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-base-2-color has-accent-background-color has-text-color has-background has-link-color wp-elements-58ca85fa5d38eae06a096976d53f1524\">Qu&#8217;est-ce qu&#8217;un risque aggrav\u00e9 de sant\u00e9 ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les personnes pr\u00e9sentant un risque aggrav\u00e9 de sant\u00e9 sont les personnes malades ou ayant \u00e9t\u00e9 malades et qui pr\u00e9sentent un risque de maladie (morbidit\u00e9) ou de d\u00e9c\u00e8s (mortalit\u00e9) sup\u00e9rieur \u00e0 celui d\u2019une population de r\u00e9f\u00e9rence. L&#8217;accroissement du risque li\u00e9 \u00e0 l&#8217;\u00e2ge de l&#8217;assur\u00e9, \u00e0 la nature de sa profession ou de son comportement dans la vie quotidienne (sports \u00e0 risque,&#8230;) ne constitue pas un risque aggrav\u00e9 de sant\u00e9 au sens de la Convention.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-base-2-color has-accent-background-color has-text-color has-background has-link-color wp-elements-2bf2205acf96879a988ae9f6b2de7eb5\">Dans quelles conditions la convention AERAS est-elle applicable ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La convention AERAS est applicable dans&nbsp;<strong>deux grands types de situations<\/strong>&nbsp;:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>lorsque\u00a0<strong>le questionnaire de sant\u00e9\u00a0<\/strong>pour les pr\u00eats immobiliers et professionnels, compl\u00e9t\u00e9 par le candidat \u00e0 l&#8217;emprunt,\u00a0<strong>fait appara\u00eetre que la personne pr\u00e9sente un risque aggrav\u00e9 de sant\u00e9 et que sa demande d&#8217;assurance ne peut pas \u00eatre accept\u00e9e aux conditions standard<\/strong>\u00a0du contrat d&#8217;assurance, en terme de garanties et de tarif.<\/li>\n\n\n\n<li><strong>d\u00e8s lors qu&#8217;un individu r\u00e9pond aux crit\u00e8res lui permettant de b\u00e9n\u00e9ficier du \u00ab droit \u00e0 l\u2019oubli \u00bb<\/strong>\u00a0(voir paragraphe ci-dessous) ou d&#8217;e<strong>ntrer dans le cadre de la grille de r\u00e9f\u00e9rence AERAS,<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-base-2-color has-accent-background-color has-text-color has-background has-link-color wp-elements-9c77d3c4bf372e25024c6a8653a5c344\">Le droit \u00e0 l&#8217;oubli :<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La convention AERAS instaure&nbsp;<strong>le droit \u00e0 l\u2019oubli<\/strong>. Cela permet aux emprunteurs :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>de ne pas fournir d\u2019informations relatives \u00e0 leur \u00e9tat de sant\u00e9,<\/li>\n\n\n\n<li>de ne pas r\u00e9aliser d\u2019examen m\u00e9dical si elles respectent certaines conditions (voir paragraphe suivant).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le droit \u00e0 l\u2019oubli concerne les pr\u00eats immobiliers, les pr\u00eats \u00e0 la consommation et les pr\u00eats professionnels pour l\u2019acquisition de locaux et\/ou de mat\u00e9riels dont le terme des contrats d\u2019assurance intervient avant le 71<sup>e<\/sup>&nbsp;anniversaire de l\u2019emprunteur.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En 2022,&nbsp;<a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000045268729\" target=\"_blank\" rel=\"noreferrer noopener\">la loi du 28 f\u00e9vrier \u00ab pour un acc\u00e8s plus juste, plus simple et plus transparent au march\u00e9 de l\u2019assurance emprunteur \u00bb<\/a>&nbsp;(dite \u00ab loi Lemoine \u00bb) a \u00e9t\u00e9 adopt\u00e9e,&nbsp;<strong>r\u00e9duisant le d\u00e9lai de droit \u00e0 l\u2019oubli<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, depuis le 1<sup>er<\/sup>&nbsp;juin 2022,&nbsp;<strong>pour les personnes ayant \u00e9t\u00e9 atteintes d\u2019un cancer ou d\u2019une h\u00e9patite C, le d\u00e9lai est pass\u00e9 de 10 \u00e0 cinq ans apr\u00e8s la fin du protocole th\u00e9rapeutique, et en l\u2019absence de rechute<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par ailleurs, cette loi<strong>&nbsp;supprime le questionnaire m\u00e9dical pour les pr\u00eats immobiliers inf\u00e9rieurs \u00e0 200 000 euros par personne et dont la fin de remboursement du cr\u00e9dit intervient avant le 60<sup>e<\/sup>&nbsp;anniversaire de l&#8217;emprunteur.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La convention AERAS (s&#8217;Assurer et Emprunter avec un Risque Aggrav\u00e9 de Sant\u00e9) est un dispositif destin\u00e9 \u00e0 faciliter l\u2019acc\u00e8s \u00e0 l\u2019assurance et \u00e0 l\u2019emprunt pour les personnes pr\u00e9sentant un risque aggrav\u00e9 de sant\u00e9. Elle s\u2019applique notamment dans le cadre de pr\u00eats immobiliers, professionnels, ou \u00e0 la consommation, lorsque ces emprunts sont soumis \u00e0 une obligation &#8230; <a title=\"L&#8217;acc\u00e8s \u00e0 l&#8217;assurance emprunteur pour les personnes pr\u00e9sentant un risque aggrav\u00e9 de sant\u00e9 : la convention AERAS\" class=\"read-more\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/assurance-emprunteur-convention-aeras\/\" aria-label=\"En savoir plus sur L&#8217;acc\u00e8s \u00e0 l&#8217;assurance emprunteur pour les personnes pr\u00e9sentant un risque aggrav\u00e9 de sant\u00e9 : la convention AERAS\">Lire plus<\/a><\/p>\n","protected":false},"author":3,"featured_media":2149,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[168,165,167,169,166],"class_list":["post-3310","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dossier","tag-aeras","tag-assurance","tag-convention","tag-emprunt","tag-emprunteur","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>L&#039;acc\u00e8s \u00e0 l&#039;assurance emprunteur pour les personnes pr\u00e9sentant un risque aggrav\u00e9 de sant\u00e9 : la convention AERAS - Feodus<\/title>\n<meta name=\"description\" content=\"L&#039;acc\u00e8s \u00e0 l&#039;assurance emprunteur pour les personnes pr\u00e9sentant un risque aggrav\u00e9 de sant\u00e9 : la convention 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