{"id":696,"date":"2025-08-28T11:37:47","date_gmt":"2025-08-28T09:37:47","guid":{"rendered":"https:\/\/courtiassur.fr\/?page_id=696"},"modified":"2025-08-28T13:56:46","modified_gmt":"2025-08-28T11:56:46","slug":"loi-lemoine","status":"publish","type":"page","link":"https:\/\/courtiassur.fr\/index.php\/accueil\/lexique\/loi-lemoine\/","title":{"rendered":"Loi Lemoine"},"content":{"rendered":"\n

Qu\u2019est-ce que la loi Lemoine ?<\/strong><\/h3>\n\n\n\n

Promulgu\u00e9e le\u00a028 f\u00e9vrier 2022<\/strong>, la\u00a0loi Lemoine<\/strong>\u00a0vise \u00e0 rendre l\u2019assurance emprunteur\u00a0plus accessible, plus transparente et plus \u00e9quitable<\/strong>\u00a0pour tous les emprunteurs. Elle introduit des mesures majeures qui favorisent la\u00a0concurrence<\/strong>,\u00a0r\u00e9duisent les discriminations m\u00e9dicales<\/strong>\u00a0et\u00a0permettent des \u00e9conomies substantielles<\/strong>.<\/p>\n\n\n\n

<\/div>\n\n\n\n

Les principales avanc\u00e9es de la loi Lemoine<\/strong><\/h3>\n\n\n\n

R\u00e9siliation \u00e0 tout moment<\/h4>\n\n\n\n
    \n
  • Les emprunteurs peuvent d\u00e9sormais\u00a0changer d\u2019assurance emprunteur \u00e0 tout moment<\/strong>, sans frais ni justification, apr\u00e8s la premi\u00e8re ann\u00e9e du contrat<\/li>\n\n\n\n
  • Cette mesure s\u2019applique :\n
      \n
    • D\u00e8s le 1er juin 2022<\/strong>\u00a0pour les nouveaux pr\u00eats<\/li>\n\n\n\n
    • \u00c0 partir du 1er septembre 2022<\/strong>\u00a0pour les contrats en cours<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n
      \n

      \ud83d\udca1 Cela permet de faire jouer la concurrence<\/strong> et de r\u00e9duire le co\u00fbt de l\u2019assurance<\/strong>, parfois jusqu\u2019\u00e0 15 000 \u20ac d\u2019\u00e9conomies<\/strong> sur la dur\u00e9e du pr\u00eat.<\/p>\n<\/blockquote>\n\n\n\n

      <\/div>\n\n\n\n

      Suppression du questionnaire m\u00e9dical<\/h4>\n\n\n\n
        \n
      • Pour les pr\u00eats immobiliers :\n
          \n
        • Inf\u00e9rieurs \u00e0 200 000 \u20ac par emprunteur<\/strong><\/li>\n\n\n\n
        • Dont le remboursement se termine\u00a0avant les 60 ans<\/strong><\/li>\n<\/ul>\n<\/li>\n\n\n\n
        • Le\u00a0questionnaire m\u00e9dical est supprim\u00e9<\/strong>, facilitant l\u2019acc\u00e8s \u00e0 l\u2019assurance pour les profils souvent p\u00e9nalis\u00e9s<\/li>\n<\/ul>\n\n\n\n
          \n

          \ud83d\udc65 Cette mesure concerne plus de la moiti\u00e9 des cr\u00e9dits immobiliers<\/strong> en France.<\/p>\n<\/blockquote>\n\n\n\n

          <\/div>\n\n\n\n

          R\u00e9duction du d\u00e9lai du droit \u00e0 l\u2019oubli<\/h4>\n\n\n\n
            \n
          • Le\u00a0droit \u00e0 l\u2019oubli<\/strong>\u00a0pour les anciens malades (cancer, h\u00e9patite C) passe de\u00a010 ans \u00e0 5 ans<\/strong>\u00a0apr\u00e8s la fin du protocole th\u00e9rapeutique<\/li>\n\n\n\n
          • Extension possible \u00e0 d\u2019autres maladies chroniques (diab\u00e8te, etc.) via la\u00a0convention AERAS<\/strong>.<\/li>\n<\/ul>\n\n\n\n
            \n

            \u2705 Les emprunteurs gu\u00e9ris depuis plus de 5 ans n\u2019ont plus \u00e0 d\u00e9clarer leur pathologie<\/strong> lors de la souscription.<\/p>\n<\/blockquote>\n\n\n\n

            <\/div>\n\n\n\n

            Renforcement de l\u2019information<\/h4>\n\n\n\n
              \n
            • Les assureurs doivent\u00a0informer chaque ann\u00e9e<\/strong>\u00a0les assur\u00e9s de leur droit \u00e0 r\u00e9siliation.<\/li>\n\n\n\n
            • Obligation d\u2019afficher le co\u00fbt total de l\u2019assurance sur 8 ans<\/strong>, pour plus de transparence.<\/li>\n<\/ul>\n\n\n\n
              <\/div>\n\n\n\n
              <\/div>\n\n\n\n

              Impact pour les emprunteurs<\/strong><\/h3>\n\n\n\n
                \n
              • Plus de libert\u00e9<\/strong>\u00a0pour choisir une assurance adapt\u00e9e<\/li>\n\n\n\n
              • \u00c9conomies importantes<\/strong>\u00a0gr\u00e2ce \u00e0 la d\u00e9l\u00e9gation d\u2019assurance<\/li>\n\n\n\n
              • Acc\u00e8s facilit\u00e9<\/strong>\u00a0pour les anciens malades et les jeunes emprunteurs<\/li>\n\n\n\n
              • March\u00e9 plus concurrentiel<\/strong>, avec des offres plus transparentes<\/li>\n<\/ul>\n\n\n\n

                <\/p>\n","protected":false},"excerpt":{"rendered":"

                Qu\u2019est-ce que la loi Lemoine ? Promulgu\u00e9e le\u00a028 f\u00e9vrier 2022, la\u00a0loi Lemoine\u00a0vise \u00e0 rendre l\u2019assurance emprunteur\u00a0plus accessible, plus transparente et […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":175,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-696","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/696","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/comments?post=696"}],"version-history":[{"count":6,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/696\/revisions"}],"predecessor-version":[{"id":708,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/696\/revisions\/708"}],"up":[{"embeddable":true,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/175"}],"wp:attachment":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/media?parent=696"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}