Hospital loan insurance at the request of a third party
A hospitalization at the request of a third party is an admission of an individual to a hospital, following the request of a third person, for the purpose of being treated. In the case where the hospitalization does not constitute an emergency, the person who made the request is free to choose the public or private hospital center that will take care of the individual to be hospitalized. His vital card must be presented to the reception and a hospitalization report will be sent to justify the work stoppage.
Loan insurance: what happens in case of hospitalization at the request of a third party?
As part of a credit insurance contract, the hospitalized person or the third party having made the request will have to send to the insurer the report of hospitalization as work stoppage so that the triggering of the assumption of responsibility is made and that the monthly payments of the loan are thus fully or partially refunded by the insurer.
The guarantees of a credit insurance are as follows:
- Death Disability
- Incapacity of work
- Loss of employment (optional)
In the event of hospitalization at the request of a third party, it is the invalidity guarantee or the guarantee of incapacity of work which is concerned.
Membership Health Questionnaire
To take out a borrower insurance, it is necessary to answer a health questionnaire so that the insurance company is able to carry out the risk assessment to be covered and can thus submit a contract proposal that is adapted to the insurance policy situation of the borrower. In case of hospitalization at the request of a third party, it should be indicated by providing details on the reasons for hospitalization. According to the information provided in the health questionnaire, the insurance company may require the borrower to undergo medical examinations.
Good to know : before signing a home loan insurance contract, you must carefully consider the conditions of coverage and the method of compensation in the general conditions in case of hospitalization at the request of a third party.
The problem in case of hospitalization risk aggravated health
If you have been hospitalized for an aggravated health risk and it is still existing despite your past hospitalization, the lending bank may refuse to cover you with its group insurance contract, which is an obstacle to access to credit. So what to do?
The solution to ensure in case of hospitalization
It is not because you have been hospitalized at the request of a third party that you should be prevented from borrowing! The brokerage agency Low Credit Insurance thus facilitated the process of research and procedures for all those at risk of aggravated hospitalization.
We send for you directly to the insurers specialized in aggravated risks and seek the best contract at the lowest price so that you are covered, at the best price, and you can borrow.
With Low Credit Insurance, you put the maximum competition between insurance companies and find the hospital borrower insurance you need to get your credit.
Use our insurance comparator to obtain the best proposals on the market and easily choose the offer that suits you best!