Right to be forgotten
As a survivor, it is often difficult to take out an (outstanding balance) insurance policy. From a medical point of view, you may be cured, but the insurer probably thinks otherwise. The government has the important task of making (outstanding balance) insurance policies accessible to people with a history of cancer.
As of the 1st of February 2020, survivors have the 'right to be forgotten'. This means that the insurer may not refuse a survivor nor charge a higher premium if the survivor has been in full remission for at least 10 years.
The Royal Decree that enters into force on the 1st of April 2020 goes even further. It specifies certain types of cancer for which the 10-year period is shortened. For some types of breast cancer, the term is even reduced to one year. Insurers are not allowed to refuse these patients and a higher premium is either prohibited or limited by a reference grid. Below, you will find an overview of the types of breast cancer for which the waiting period will be reduced to 1 year as of the 1st of April 2020:
• lobular or ductal carcinoma in situ, without micro-infiltration (with treatment according to consensus HAS/INCa (La Haute Autorité de santé and the Institut national du cancer)
• ductal in situ carcinoma showing one or more micro-invasive zones (basal membrane rupture) of no more than 1 mm (along the largest axis) during surgical excision and where no invasion of the removed gland or glands is visible after armpit examination (sentinel gland or axillary lymph node clearance) (with treatment according to the HAS/INCa consensus)
The conditions of access to an outstanding balance insurance policy based on the terms above only apply in the absence of other risk factors or existing pathologies.