Abstract
In France, access to a loan requires one to obtain loan insurance and the presence of a pathology in the applicant may be a reason for refusal. Improving knowledge of health risks and pooling risks are two methods of broadening access to loans. We attempt to analyse these possibilities using open data and risk pooling scenarios. We find that the removal of medical selection can be ensured if the current framework is adjusted. We also demonstrate how to use open data to estimate loan insurance premiums for a variety of diseases. We take two examples: breast cancer and type 1 diabetes. Broadening access to borrowing would be beneficial for patients and for the development of the economy associated with these projects.
Highlights
IntroductionAn insurer who creates a loan contract without medical being compensated for bymaximally a sufficient influx with of low-risk the risks experiment selection, being inclusive regard individuals; to pathologies, seeing would come to nothing
The impossibility of supplementing their financial resources with a loan to help them achieve a life goal can be perceived as discrimination. These refusals have an economic impact beyond the loan itself, as these life projects would have contributed to the development of the economy
All severities of breast cancers have been pooled. It would not have made much sense to express additional mortality premiums as a percentage p. This is because it would have been high for young women—according to the model we developed, we observe that Tables 3 and 4 are roughly valid for all ages
Summary
An insurer who creates a loan contract without medical being compensated for bymaximally a sufficient influx with of low-risk the risks experiment selection, being inclusive regard individuals; to pathologies, seeing would come to nothing. Throughout, we we distinguish overview of mortality and the insurability of 1removing selection, describe temporaryloan or permanent disability risks and provide and elements abetween generic mortality approach and to estimating insurance pure premiums for patients applyfor it inclusive approaches. We hope that these elements can contribute to widening access to to breast cancer and type 1 diabetes. We hope that these elements can contribute to widening access to borrowing
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