With health issue (diabetes, hypertension)
Borrowers with declared stabilized chronic pathology — Surcharge: +20% à +200%
Health issue (type 2 diabetes, hypertension, cardiac history) incurs significant surcharge but credit access remains possible via 'AERAS Morocco convention' (inspired by French model). Stabilized pathologies for 2+ years better accepted. Heavy pathologies (cancer under treatment) may cause outright refusal.
Specific risks
Diabetes: 30-80% surcharge per glycemic control (HbA1c). Hypertension: 20-50% per blood pressure. Cancer in remission: acceptance only after 5+ years full remission. Post-infarct cardiac diseases: 60-150% surcharge. Morbid obesity (BMI>35): 40-100% surcharge.
Bank approach
Detailed mandatory medical questionnaire. Consent to medical exams (doctor visit, blood test). Complete medical file (prescriptions, recent results). Moroccan law imposes confidentiality and discrimination ban for credits < 500K MAD.
Delegation strategy
Delegation CRUCIAL for health profiles: up to 100% gaps between insurers. AXA and Allianz have 'aggravated risks' divisions with dedicated tariffs. Provide recent complete medical file (less than 6 months). Specialized 'medical risks' broker recommended for negotiation.
Numeric example
Controlled type 2 diabetic (HbA1c 6.8%), 45, 1M MAD / 20-year credit. Standard tariff: 0.25% = 2,500 MAD/year. With +50% diabetes surcharge: 0.38% = 3,800 MAD/year. Alternative: Allianz 'Aggravated Risks': 0.30% = 3,000 MAD/year (16,000 MAD savings over 20 years).
Practical tips
- Stabilize pathology 2+ years before application (HbA1c < 7%, BP < 140/90)
- Provide complete medical file from start (saves time)
- Compare at least 5 insurers — huge gaps on aggravated risks
- Negotiate pathology exclusion removal after 3-5 years
- Consider mortgage with high personal contribution (reduced insured amount)
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