BNP Paribas Cardif expands its inclusive approach to people with sickle cell anemia
Building on its commitment to make insurance more accessible, especially for those affected by chronic or rare diseases, the insurer BNP Paribas Cardif is introducing new pricing for people with sickle cell anemia, the most common genetic disorder and the leading rare disease in France . This advancement improves access to insurance in terms of coverage and pricing for borrower insurance contracts of BNP Paribas Cardif in France, both for clients of the BNP Paribas banking network and for brokers, wealth management advisors, and directly online via Cardif.fr
A significant step forward for the inclusion of people with sickle cell anemia
About 7.7 million people worldwide [i]are affected by sickle cell anemia, a genetic disorder affecting red blood cells, representing a 40% increase in 25 years, including 30,000 people in France[ii]. Those concerned often face difficulties accessing suitable credit protection insurance and are subject to surcharges on death and total and irreversible loss of autonomy guarantees, as well as significant exclusions on complementary guarantees, notably for work incapacity and disability.
Thanks to work carried out in collaboration with medical experts, BNP Paribas Cardif teams have developed a risk assessment that takes into account various therapeutic developments. This approach allows the insurer to improve pricing by more widely granting complementary guarantees and reducing surcharges. A new questionnaire is also introduced for insured people with sickle cell anemia to better understand the specifics of their condition.
When medicine advances, insurance evolves
Collaboration with the research community has enabled a better understanding of sickle cell anemia, its medical challenges, and its impact on patients’ quality of life. This initiative continues BNP Paribas Cardif’s actions for over 15 years to develop an inclusive offer, aiming to facilitate access to insurance solutions for people with rare or chronic diseases, such as inflammatory bowel diseases (IBD).
The insurer acts concretely to increase inclusion and access to creditor protection insurance. Among significant advances, BNP Paribas Cardif notably offers coverage without surcharge or exclusion to people treated for HIV, provided their viral load is undetectable at the time of subscription and to those who have overcome breast, prostate, or testicular cancer once the active therapeutic protocol is completed.
Drépanocytose · Inserm, La science pour la santé
[1] WHO issues first global guideline to improve pregnancy care for women with sickle cell disease [1] Épidémiologie de la drépanocytose en France et dans le monde | La Revue du Praticien