AERAS Convention


Insurance and Loans with an Increased Health Risk

In order to facilitate access to credit for people with increased health risks, the so-called "Belorgey Agreement" was signed in 2001 between banking and insurance professionals, patients' associations, consumer organizations and public authorities.

The content of this agreement was improved several times up until 2006 when it was replaced (with effect from January 2007) by a new agreement called the "AERAS Convention", which, again, includes many improvements in terms of the previous undertaking.

For information about the AERAS Convention, a national information service voice server (toll-free number) is available: 0821 221 021 (€0.12/min) as well as a dedicated website

Download the new version of the mini-guide (March 2011) by the French Banking Federation

AERAS reference person contact details:

Tel. :