Bipolarity (or manic-depressive psychosis) can be viewed by homeowners as an aggravated risk. This may lead companies to request a surcharge or to make exclusions in the guarantees.
It is important to play the competition because the pricing scales can be very different from one insurance to another. By experience, bank contracts are not the most financially competitive, nor are those that most readily accept medical risks: that’s why choosing an external insurer is the most common solution for borrowers with a health problem.
You should also know that if you already have loan insurance and have signed your loan offer less than a year ago, you can benefit from the Hamon law and change at any time and at no cost the first year. If the deadline has passed, you can also (as of January 1, 2018) terminate your borrower insurance on the anniversary date thanks to the Bourquin law.
For general advice, you can visit our dedicated page Borrower Insurance and Health Problem.
Declaring Bipolarity in a Borrower Insurance Health Questionnaire
You have bipolar disorders, like many writers, actors, painters, writers, musicians, or politicians, and wonder if your file will be accepted by the medical adviser.
What information to give to the doctor?
Get a medical certificate from the psychiatrist who follows you to determine whether it is a Type I or Type II form.
Also attach a letter to your questionnaire stating the number of seizures you have made, whether you have been hospitalized, the number of days off work in recent years, and of course the treatment you are taking.
What will be the decision of the medical adviser?
If your pathology is well regulated by the treatment, if you have not had any relapses for several years, you will have an aggravated risk for the death guarantee between 50 and 100%, and exclusion of the psychiatric diseases for the guarantees.
If your condition is not stabilized, if you are often off work, your file may be refused.