Loan: the galley chronically ill

“Medicine beforehand, the lifetime increases, but constantly reminds us that we will die,” says Maria Carolina. At 39, this Parisian framework has just bought an apartment. Suffering from kidney failure, the young woman, a divorced mother of two, soon realized that his illness would complicate things. “In 5 years I’ll be up on a waiting list to be grafted,” she explains. “In addition to the medical questionnaire, completed with the help of my doctor, insurance of the bank asked a biological assessment. Can not hide that my kidneys are not in shape. “The result will be effectively guaranteed, but with a premium which is almost double the cost of the insurance that, in total, will return him to 83 000 instead of 33 000 euros for an insured lambda. And at this rate, the young woman will be covered in case of death, no sickness. A fate she has been forced to accept: “I’m lucky, I have a good salary, which allows me to invest for the future of my children … But I also know that the coup I probably resell the apartment with a loss in ten years. ”

The situation of patients like Maria Carolina could also evolve: the amendment introduced in the Senate this week and discussed in the Assembly, which would ban surcharges to cumulate and disclaimers, concerns “people or were suffering from a disease for which there is a serious health risk has been established. ” Not just cancer, therefore, but also many chronic diseases.

In terms of this highly commented “right to oblivion” however, is a different story. “It’s a trap concept because it cured a disease implies” observes Marc Morel, director of interassociative Collective Health (Ciss). “This notion of right to oblivion implies that a whole section of the population finds itself excluded from this pseudo-legal development in insurance, adds Yvaine CaillĂ©, founder of Kidney patients association Renaloo for whom chronic patients face considerable challenges in order to ensure, that can derail professional projects or real estate and thus, result in dramatic situations of exclusion and outrageous. ”

“Exclusion of society and citizenship”

In March, several patient associations signed an article in the Express to warn about the difficulties they face: “Those who have” conquered “a serious illness are they more” heroic “as those who will have to choice but to fight for the rest of their lives? “they wrote. “This inequality of rights based on health status suggests that a disease is a form of rupture of the social contract, which denies that or that it touches a part of citizenship.”

Since the AERAS agreement, revised in the fall, was listed in Health Law. As for cancers, the text provides for the development of a “reference grid” allowing insurers to assess the risk of many diseases based on therapeutic developments. A working group, consisting of doctors and associations whose Ciss, was formed. He must first develop, by the end of 2015, the list of diseases concerned. What criteria? “We need that one has precise medical data, as is the case for example for HIV, kidney disease or cystic fibrosis, and that the disease is stabilized by treatment,” said Marc Morel.

Yvanie CaillĂ©, she “hope kidney failure will be part of that list,” but was skeptical about a revolution in access to the chronically ill insurance. “Non-covers and premiums remain important no doubt, she feared. Real discrimination that leads to exclusion from social life and citizenship. Is this how we want to treat people the disease has made more vulnerable? ”