SLIDE 1
Access!to!financial!services:!essen+al! for!a!good!quality!of!life!
Important!to!create!business!and!economic!
- pportuni+es,!to!improve!health,!educa+on!
Access%to%credit%and%insurance:% challenges%faced%by%cancer% - - PowerPoint PPT Presentation
Access%to%credit%and%insurance:% challenges%faced%by%cancer% - - PowerPoint PPT Presentation
Access%to%credit%and%insurance:% challenges%faced%by%cancer% pa6ents%and%possible%solu6ons ! The!Associa+on!of!European!Cancer! Leagues!Pa+ent!Support!Working! Group! Flemish!League!Against!Cancer! Access!to!financial!services:!essen+al!
SLIDE 2
SLIDE 3
! Snapshot!of!inves+ga+ons!by!the!Flemish! League!Against!Cancer!
SLIDE 4
Pa6ent% Gender% Date%of%complaint% Date%of% diagnosis% Date%of% remission% Diagnosis% Complaint% 1% Complaint%2% A! ! F! Jun/10! 2010! kidney! cancer! refusal%by! CO1,2010! refusal!by!
- ther!
companies,! 2010! B! F! Jun/10! 2007! melanoma! refusal,! 2010! C! F! Sep/10! 2006! breast! cancer! premium:! €108,! surcharge:! €2132,! 2010! no!transI parency,! 2010! D! M! Nov/10! 2006! 2007! Hodgkin's! disease! Surcharge%by!CO2,! €2600/4years,!2010! E! M! Dec/10! 1999! 2005! T3N1M0! rectum! adenoca! refusal!by!!CO3,!2011!
loan!insurance!
SLIDE 5
Data!from!the!Associa+on!of!European! Cancer!Leagues!
Patient’s complaints in: Adjournment (Postponement) Belgium Refusal Belgium, Hungary, Portugal, Denmark, France, Ireland Additional Premium (surcharge) Belgium, Netherlands, Denmark, Hungary, Ireland, Portugal Lack of Transparency Belgium, Netherlands
SLIDE 6
Key!Findings:!
- Segmenta+on:!consumers!bracketed!
according!to!health!risk!
- Disability!vs!underlying!health!condi+on!
- Term!life!insurance:!health!condi+on:!key!
factor!
! European%Commission,%2010! Study!on!the!use!of!age,!disability,!sex,!religion!or!belief,! racial!or!ethnic!origin!and!sexual!orienta+on!in!financial! services,!in!par+cular!in!the!insurance!and!banking!sectors!
! !
SLIDE 7
European!Commission!Study!2010!
Key!findings!cont....!
- Most!complaints!concerning!alleged!
discrimina+on:!life,!private!health,!motor,!travel!!
- Age!and!disability:!most!frequently!men+oned!!
discrimina+on!grounds!
- Numbers!of!complaints!about!discrimina+on!in!
financial!services!are!low!compared!to!other! types!of!consumer!complaints.!But:%no%complete% data%
SLIDE 8
When!is!segmenta+on! discrimina+on?!Defini+on!in!Belgian! Law!
! When!it!is!based!on:!! !I!actual!or!future!health!status! !I!disability!(chronic!illness)!
!
!unless&there’s!an!objec+ve! jus+fica+on:!
!
!I!legi+mate!aim!! !I!per+nent!reason! !I!necessary!means! ! ! !
SLIDE 9
Common!problems!faced!by!cancer! survivors!in!the!EU!
!
- Surveys!of!the!European!Cancer!Leagues!and!study!by!Civic!
Consul+ng/DG!Employment,!2010:! – High!addi+onal!surcharge! – Refusal! – Adjournement!(postponement)! – Lack!of!transparancy! ! Disability!or!increased!health!risk=!limited!access!to! insurance!!
SLIDE 10
Measures!taken!against! discrimina+on!in!Europe:!France! !
SLIDE 11
Conven+on!AERAS,!2007!(renewed! in!2011)!
- Voluntary!agreement!between!stakeholders*!
to!facilitate!access!of!persons!with!aggravated! health!risks!to!home!and!consumer!loans!and! to!loan!insurance!
- Fast!acknowledgement!of!medical!progress!
by!insurance!companies!
- 3!levels!of!evalua+on!for!refused!customers!
- A!capping!mechanism!for!high!surcharges!
- Media+on!commikee!
hkp://www.aerasIinfos.fr/!!
!
SLIDE 12
Solu+ons!in!Europe!II:!! Belgium!
- 1. Ombudsman:*!an!example!of!
media+on!
- 2. Centre!for!Equal!Opportuni+es!
and!Opposi+on!to!Racism!
- 3. Law!on!Debt!Balance!
Insurance!(proposed):!
- 1. Solidarity!fund!to!act!as!
capping!mechanism!
- 2. Code!of!Good!Prac+ce!for!
insurance!companies!
SLIDE 13
Centre%for%Equal%Opportuni6es%and% Opposi6on%to%Racism!
- Case!(2009):!person!with!osteosarcoma!+!
lungmetastasis.!Mortgage:!€367!500.!Loan! insurance:!surcharge:!€1847/5y,!€368/20!y!
- Person!files!complaint!at!Centre.!Centre!asks!
insurer!for!explana+on!
- Insurer!provides!EBM!survival!figures,!proving!
excess!mortality!
- Answer!to!consumer:!no!discrimina+on,!
because!of!increased!risk!
SLIDE 14
Conclusions!
- Discriminatory!prac+ces!by!insurance!
companies!exist:!High!surcharges!and!loan! refusals!without!objec+ve!reasoning!and! transparency!
- Na+onal!level!measures!such!as!AERAS,!
Ombudsman!and!Centres!for!Equality!are! making!a!difference!in!some!countries.!!
- Not!enough!is!known!about!the!extent!of!
the!problem!in!the!EU!or!other!loca+ons! !
SLIDE 15
! ! ! !
- Private!loan!insurance!
- Home!Loan!Insurance!
(insurance!that!is!paid!
- ut!if!a!borrower!dies!
before!a!loan!is!paid):! usually!taken!to!cover! mortgages!
SLIDE 16