Media Press releases June 1, 2022: application of the law on the removal of the medical questionnaire; Crédit [...]

June 1, 2022: application of the law on the removal of the medical questionnaire; Crédit Mutuel has been a pioneer in this space and still stands out with its offering


As a mutualist bank and insurance provider committed to a fairer and collectively responsible society, Crédit Mutuel1, the third largest retail bank in France and the leading bank with benefit corporation status, announced in November 2021 that it would no longer require a health questionnaire for its members and loyal customers, demonstrating a path towards access to ownership for all, without discrimination based on health status.

Now that the health questionnaire is no longer imposed, formal medical forms, rejections, additional premiums and/or exclusions of coverage due to health status are a thing of the past. This represents real social progress in terms of access to home ownership and the sharing of risks.

Since last autumn, the members of parliament have been working on a means of generalizing this mechanism. From June 1, 2022, a certain number of future owners will no longer need to submit a medical questionnaire when taking out borrower insurance.

More relevant than ever, Crédit Mutuel’s exclusive and collectively responsible offering to its loyal customers when purchasing a main residence will still stand out in terms of meeting the new legislation: up to €500,000 insured per borrower, and subscription possible until the age of 62.

End of the medical questionnaire when purchasing a main residence:

  For all For loyal customers
of Crédit Mutuel1
Total amount
Up to €200,000
or €400,000 for a couple
Up to €500,000
or €1,000,000 for a couple
Age limit
for subscription
Up to 60 at the end of the loan
i.e. 40 for a loan of 20 years, 35 for a loan of 25 years
62 at the time of subscription

It’s amazing to see that a decision by Crédit Mutuel to offer equal access to home ownership can now be broadened to everyone in France. By including people who are not so young, less well-off and with health issues in our mechanisms for access to home ownership we are helping to make society more inclusive and offering insurance that is more universal. June 1, 2022 will be a watershed date in the history of access to home ownership. A watershed date also in the mutualist model. It is up to us to continue creating new paths for inclusion, equality and solidarity,” says Nicolas Théry, Chairman of Crédit Mutuel.

Thanks to the action taken by Crédit Mutuel and Assurances du Crédit Mutuel, one of France's leading insurance companies, we are strengthening our mutualist commitment for a fairer and more inclusive society in which health status and profession do not pose an obstacle to becoming a home owner. From today, everyone in France can benefit from this social innovation. Crédit Mutuel's loyal customers, meanwhile, will benefit from more favorable terms than stipulated by law when they purchase a main residence,” adds Daniel Baal, CEO of Crédit Mutuel Alliance Fédérale.

As a reminder, the exclusive offering proposed to Crédit Mutuel's loyal customers1 when acquiring their main residence applies under the following conditions:
  • It is reserved for customers whose main income has been credited directly to Crédit Mutuel1 for seven years;
  • An insured amount of up to €500,000 per borrower;
  • The policyholder is under 62 when taking out the policy.

Reminder of past announcements:
Participating networks: Crédit Mutuel Alliance Fédérale (Centre Est Europe (Strasbourg), Sud-Est (Lyon), Ile-de-France (Paris), Savoie-Mont Blanc (Annecy), Midi-Atlantique (Toulouse), Loire-Atlantique et Centre-Ouest (Nantes), Centre (Orléans), Normandie (Caen), Dauphiné-Vivarais (Valence), Méditerranéen (Marseille), Anjou (Angers), Massif Central (Clermont-Ferrand), Antilles-Guyane (Fort-de-France) and Nord Europe (Lille)), Crédit Mutuel Maine-Anjou, Basse Normandie (Laval), Crédit Mutuel Océan (La Roche-sur-Yon) and CIC.



About Crédit Mutuel

One of France's leading banking groups, Crédit Mutuel offers a diversified range of services to private individuals, professionals and companies of all sizes. Renowned for its financial soundness and the quality of its ratios, the mutualist banking group is resolutely focused on its core business of retail banking and its cooperative and mutualist values.

Crédit Mutuel draws on its values of community, solidarity and responsibility in fulfilling its role as a socially engaged enterprise.


About Assurances du Crédit Mutuel

Since 1971, Assurances du Crédit Mutuel has been devising, designing and steering the offers and services behind the development of the insurance activity of Crédit Mutuel, the inventor of the bank insurance concept.

Operating in the property, personal and life insurance markets, Assurances du Crédit Mutuel proposes innovative solutions for its 12.8 million policyholders (individuals, professionals, corporates and nonprofits) nationwide, through the participating Crédit Mutuel networks and the CIC networks.


Press contact
Aziz Ridouan, Crédit Mutuel: +33 (0)6 01 10 31 69 -

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