Paper: ‘Waiting Period From Diagnosis for Mortgage Insurance Issued to Cancer Survivors’

Photo by Rey Seven

I am happy to announce that our paper entitled “ Waiting period from diagnosis for mortgage insurance issued to cancer survivors “ has been published in the European Actuarial Journal.

Here is a brief summary of it:

Massart (2018) testimonial illustrates the difficulties faced by patients having survived cancer to access mortgage insurance securing home loan. Data collected by national registries nevertheless suggest that excess mortality due to some types of cancer becomes moderate or even negligible after some waiting period.

In relation to the insurance laws passed in France and more recently in Belgium creating a right to be forgotten for cancer survivors, the present study aims to determine the waiting period after which standard premium rates become applicable. Compared to the French and Belgian laws, a waiting period starting at diagnosis (as recorded in national databases) is favored over a waiting period starting at the end of the therapeutic treatment protocol. This aims to avoid disputes when a claim is filed. Since diagnosis is often recorded in the official registry database, as is the case for the Belgian Cancer Registry, its date is reliable and unquestionable in case of claim.

Based on 28,994 melanoma…