La plupart des mesure de la Loi LEMOINE sur l’assurance emprunteur sont entrées en vigueur le 1er Juin 2022.
Quelques rappels :
- Possibilité de résilier son assurance emprunteur à tout moment sans frais
- Droit à l’oubli passant de 10 à 5 ans pour certaines pathologies (cancer, hépatite C)
- Suppression du questionnaire de santé pour les prêts immobiliers dont le montant total est inférieur ou égal à 200 000€ et dont le remboursement à lieu avant le 60ème anniversaire de l’assuré (plafond par assuré et pour l’encours total des prêts)
- Obligation pour l’assureur d’informer chaque année ses clients sur le droit de résilier leur contrat à tout moment sans frais et des modalités de résiliation
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