Insurance: when an illness increases the premiums to be paid

Until a few years ago, it was impossible to purchase certain types of insurance after the diagnosis of a serious or chronic illness. Since then, things have evolved. But exclusion and surcharges are far from having disappeared.


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Reading time: 4 mins

Pno one escapes it. The subscription of certain insurance contracts is accompanied by an often very specific questionnaire to be completed on one’s state of health. It allows your insurance to determine your premium, according to well-kept secret criteria but a known logic: the company insures a risk (death, disability, etc.), if it is more likely to occur, the premium will be then higher. Except that for people seriously ill, just cured or suffering from a chronic illness, it is the insured premium, or even exclusion. How does it all work? Review of the different covers.

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