Home loan support for families of seriously ill children - 13 déc. 2023

The association Eva pour la vie is, with Grandir Sans Cancer and the deputy Paul Christophe, at the origin of an unprecedented decision by all French insurance companies and banks aimed at taking charge of the monthly mortgage payments of families of children suffering from cancer and serious illnesses.

The Financial Sector Advisory Committee (CCSF) has just unanimously adopted an Opinion in which all insurers undertake to provide a "Family Assistance" guarantee in at least one of their borrower insurance contracts. This will allow temporary coverage of all or part of the mortgage payments to finance the purchase of the main residence of an insured person forced to partially or completely cease their professional activity to support their minor child suffering from a serious illness, such as cancer, or who has suffered a serious accident.

This unprecedented decision in Europe comes one year after the innovative decision by CNP Assurances and La Banque Postale to set up such support, up to 50% of the amount, up to €4,000 per month and for 28 months. It is a direct result of the work carried out with Eva pour la vie, under the leadership of Wilfried Briand and Stéphane Vedrenne, with the support of the Grandir Sans Cancer federation (which brings together nearly 90 associations) and the deputy for the Nord Paul Christophe.

This Opinion adopted by the CCSF also comes after the publication on April 5, 2023 of a column, written by Eva pour la vie and Grandir Sans Cancer, in the daily newspaper Le Monde where 185 deputies and 85 associations had called on insurers so that borrower insurance coverage generally includes the case of families who, in order to support a seriously ill child or victim of an accident in life, find themselves obliged to reduce or abruptly cease their professional activity. Indeed, if borrower insurance can compensate the insured in the event of an accident or illness of the borrower, it did not cover (with the exception of CNP and La Banque Postale) the reimbursement of monthly payments in the event of serious illness or disability of a child of the borrower. The signatories of this platform then asked insurers to agree to systematically include "family assistance" in their contracts, without this being accompanied by an additional cost, in order to protect parents faced with such a situation.


Eva's expectations for life following this major decision...

- That it be applied, in view of the importance for the families concerned (regularly forced to sell, or be seized while suffering the serious illness of a child) and the low financial impact for insurance by summer 2024
and not 2025 by all borrower insurance companies on their main contracts

- That the support be total for any parent forced to completely cease their professional activity , and see their income fall by an amount equal to or greater than their monthly mortgage payment

- That it also applies to existing contracts

- That a comparable measure be considered in the long term for professional credits , which would also make it possible to protect jobs



Read also:


https://www.moneyvox.fr/credit/actualites/95600/credit-immobilier-une-formidable-avancee-pour-les-parents-enfants-gravement-malades

https://immobilier.lefigaro.fr/article/credit-immobilier-cette-nouvelle-clause-peut-vous-aider-si-votre-enfant-tombe-malade_e9239160-99c2-11ee-9fc6-c77de8a55b00/

https://www.bfmtv.com/immobilier/credit-emploi/nouvelle-garantie-pour-les-entreprises-immobiliers-en-cas-d-enfant-gravement-illade-ou-handicape_AD-202312130643.html

https://www.argusdelassurance.com/assurance-de-personnel/assurance-borrower/entreprises-le-ccsf-impose-d-inclusion-une-garantie-aide-a-la-famille-dans-les-contracts.229746

https://information.handicap.fr/a-enfant-gravement-malade-les-prets-immobiliers-mieux-assures-36023.php

https://www.leparisien.fr/economie/credit-immobilier-les-assureurs-vont-prendre-en-charge-les-mensualites-de-parents-denfants-malades-13-12-2023-BXUANYERW5EKVOGS3ASXZKKUVE.php

https://www.boursier.com/patrimoine/immobilier/actualites/une-garantie-famille-bientot-proposee-pour-lassurance-plombier-8456.html

https://www.capital.fr/immobilier/credit-immobilier-tous-les-assureurs-vont-bientot-couverture-les-parents-denfants-gravement-malades-1488662

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