Navigating Medical Requirements for Mortgage Loan Insurance in France

Blood test for insurance

Securing a mortgage for a property in France is a significant step for many investors and future homeowners. An essential part of this process, especially for expatriates, involves understanding and navigating the medical requirements for mortgage loan insurance. France has specific requirements in this area, which can vary depending on the borrower’s health, age, and the property value. Here’s what you need to know to ensure a smooth process.

Do Pre-existing Medical Conditions Matter?

When applying for mortgage loan insurance in France, your health status plays a crucial role. Insurers assess risk based on several factors, including any pre-existing medical conditions you may have. While having a pre-existing condition does not automatically disqualify you from obtaining insurance, it can affect the premiums or lead to exclusions for specific conditions. It’s vital to be upfront and honest about your medical history to avoid any complications or denial of coverage in the future.

Can Medical Tests Be Undertaken in Any Country?

Generally, French insurance companies require a medical questionnaire to be filled out, and depending on your age, the loan amount, and your medical history, you might also be asked to undergo a medical examination. Ideally, these medical tests should be performed in France to align with the insurer’s requirements. However, some insurers may accept tests conducted in your home country, provided they meet the insurer’s standards.

Are Documents Available in Other Languages Than French?

While France is known for its strict adherence to using the French language, especially in legal and administrative matters, the global nature of real estate investment has led to more flexibility. Key documents, including those related to mortgage loan insurance, may be available in English or other languages upon request. Engaging with a bilingual broker or legal advisor specialized in French real estate can significantly streamline this process.

  1. Consult with a Specialist: Getting advice from insurance brokers or financial advisors who understand both the French system and the needs of international investors or expatriates is invaluable.
  2. Compare Offers: Compare various insurers, as premiums and conditions can vary significantly.
  3. Consider a Broker: A broker can navigate the French system on your behalf, presenting you with the best options that meet your specific needs and circumstances.
  4. Prepare for Additional Costs: If you have a pre-existing medical condition, be prepared for potentially higher premiums or the need to take out additional coverage.
  5. Contingency plans: If it is proving too dificult or costly to arrange a French Term Life insurance policy, consider sourcing a mortgage from a lender which does not require Life insurance


While the medical requirements for mortgage loan insurance in France can seem daunting, particularly for expatriates or those with pre-existing conditions, thorough preparation, and the right advice can simplify the process. Understanding the impact of your medical history on insurance, ensuring any international medical tests are acceptable, and having all documents reviewed can demystify this crucial step towards owning your dream property in France.