June 07, 2023

•    More than 270,000 people1 in France suffer from inflammatory bowel disease (IBD). 
•    BNP Paribas Cardif is facilitating access to insurance coverage for people affected by IBD, taking into account recent advances in treatment. 
•    This initiative reflects the insurer’s longstanding policy of improving access to insurance under optimal conditions for the most vulnerable segments of the population.    

As a major player in creditor insurance, BNP Paribas Cardif has been actively committed over the past 15 years to making insurance more inclusive by proposing insurance products matched to the needs of people suffering from certain pathologies. The insurer takes into account recent medical advances to offer insurance that is more equitable, thus expanding eligibility to insurance with optimized scope of coverage and rate structures. For creditor insurance, BNP Paribas Cardif facilitates access to mortgage loans and property ownership for vulnerable persons. This approach has, for example, improved insurance eligibility and coverage conditions for people suffering from Parkinson’s disease, gestational diabetes, or psychological conditions related to a traumatic event, as well as asthma, paraplegia and tetraplegia.   

BNP Paribas Cardif is pursuing its mission of making insurance more accessible by making it easier for people suffering from inflammatory bowel disease (IBD) to take out creditor and personal protection insurance sold in France. 

IBD affects more than 270,000 people in France today1, spanning two conditions: Crohn’s disease and  ulcerative colitis. Both are characterized by chronic inflammation of the gastrointestinal tract due to a weakened immune system. Drawing on the recognized expertise in these pathologies of Professor Matthieu Allez, head of the Gastroenterology Department of Hôpital Saint-Louis (part of the Paris public hospital system, APHP), BNP Paribas Cardif has established a risk scoring model that better takes into account the different forms of inflammatory bowel disease, along with recent advances in treatment. This has enabled the insurer to optimize rates and offer broader supplemental cover, while reducing premium surcharges. A new questionnaire has been introduced for policyholders suffering from IBD to better take into account the specific characteristics of their disease and their lifestyle.     

“As an insurer we are committed to continually improving our product and service offering in order to broaden insurance coverage for the most vulnerable populations, as well as to reducing the number of exclusions in our policies. We are pleased to be able to propose better cover for people suffering from IBD by taking into account their individual situation and lifestyle,” says Fabrice Bagne, BNP Paribas Cardif Deputy Chief Executive Officer, France and Luxembourg.    

1Source: Assurance Maladie (French national health insurance system), 2019

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