{"id":350,"date":"2024-08-06T00:00:00","date_gmt":"2024-08-05T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2018\/08\/06\/que-faire-en-cas-de-litige-sur-aeras\/"},"modified":"2025-11-03T12:32:32","modified_gmt":"2025-11-03T10:32:32","slug":"aeras-informations-litige","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/aeras-informations-litige\/","title":{"rendered":"AERAS :  informations et litige"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Ne restez pas seul avec vos interrogations ou si vous pensez que le dispositif n'est pas correctement appliqu\u00e9.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">De nombreux interlocuteurs pour vous renseigner<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez trouver des informations sur la <strong>convention AERAS<\/strong> aupr\u00e8s de nombreux interlocuteurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un site Internet d\u00e9di\u00e9 est mis \u00e0 disposition du public : <a rel=\"noreferrer noopener\" href=\"https:\/\/www.aeras-infos.fr\" target=\"_blank\">www.aeras-infos.fr<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous trouverez de l'information aupr\u00e8s des \u00e9tablissements de cr\u00e9dit :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>sur leurs <strong>sites <\/strong>Internet,<\/li><li>dans leurs <strong>agences<\/strong>, un document est \u00e0 votre disposition ainsi que les coordonn\u00e9es d'un <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/aeras-coordonnees-des-referents\/\" target=\"_blank\">r\u00e9f\u00e9rent <\/a>sp\u00e9cialiste de la question AERAS.<\/li><li>lors d'une simulation de cr\u00e9dit.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Les assureurs et les associations se sont engag\u00e9s rendre les questionnaires de sant\u00e9 plus lisibles et compr\u00e9hensibles par tous. Les pouvoirs publics se sont engag\u00e9s \u00e0 inciter les m\u00e9decins \u00e0 aider leurs patients \u00e0 remplir ces questionnaires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e9decins, organismes de sant\u00e9 et sociaux, professionnels de l'immobilier, notaires, etc. sont mobilis\u00e9s pour faire conna\u00eetre le dispositif de la convention AERAS.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Une commission de m\u00e9diation en cas de litige<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous pensez que les dispositions de la convention AERAS n'ont pas \u00e9t\u00e9 respect\u00e9es, vous pouvez contacter par courrier la :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br><strong>Commission de m\u00e9diation<\/strong> de la Convention AERAS<br>4 place de Budapest<br>CS 92459<br>75436 PARIS CEDEX 09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ou via le formulaire de prise de contact depuis le site : <a href=\"http:\/\/www.mediation-aeras.fr\" target=\"_blank\" rel=\"noreferrer noopener\">www.mediation-aeras.fr<\/a> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La Commission est charg\u00e9e d'examiner les <strong>r\u00e9clamations <\/strong>individuelles des particuliers concernant l'application de la convention AERAS. Votre r\u00e9clamation doit \u00eatre accompagn\u00e9e de toutes les pi\u00e8ces utiles pour son traitement par le secr\u00e9tariat de la Commission.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle favorise, si besoin, le dialogue entre le <strong>sp\u00e9cialiste de la pathologie<\/strong> qui suit m\u00e9dicalement le <strong>candidat \u00e0 l'emprunt <\/strong>et le m\u00e9decin conseil de l'assureur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle prend toutes les dispositions de nature \u00e0 favoriser un r\u00e8glement amiable et diligent des dossiers dont elle est saisie, notamment par des <strong>recommandations <\/strong>transmises aux parties.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A savoir : La Commission de m\u00e9diation n'est pas comp\u00e9tente pour se prononcer :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>en dehors des cas qui rel\u00e8vent de la mauvaise application du&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/www.aeras-infos.fr\/sites\/aeras\/accueil\/aeras-en-pratique\/les-points-cles\/le-droit-a-loubli-et-la-grille-d.html\" target=\"_blank\">droit \u00e0 l\u2019oubli<\/a> (absence de d\u00e9claration ou&nbsp;la grille de r\u00e9f\u00e9rence),<\/li><li>sur les limitations et les exclusions de garantie, le niveau de la prime ou surprime d'assurance qui rel\u00e8ve de la politique commerciale de l'assureur, ou sur la d\u00e9cision et les conditions d'attribution du cr\u00e9dit qui rel\u00e8vent de la responsabilit\u00e9 de la banque.<\/li><li>lorsque le pr\u00eat est d\u00e9j\u00e0 mis en place.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article : \"AERAS : informations et litige\"<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.aeras-infos.fr\">Le site officiel aeras-infos<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" 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class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/comment-la-demande-dassurance-est-elle-traitee\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Malgr\u00e9 un probl\u00e8me de sant\u00e9<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Comment est trait\u00e9e la demande d&#039;assurance en cas de probl\u00e8me de sant\u00e9 ?<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Dans le traitement de votre demande, la Convention AERAS pr\u00e9cise une dur\u00e9e maximum en cas de dossier complet et affirme clairement l&#039;obligation de confidentialit\u00e9. La dur\u00e9e (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:97,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/comment-trouver-une-solution-dassurance-malgre-un-probleme-de-sante\/&quot;,&quot;title&quot;:&quot;Trouver une solution d\\u0027assurance malgr\u00e9 un probl\u00e8me de sant\u00e9&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/solutions-aeras-150x150.jpg&quot;,&quot;likes&quot;:22}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" 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href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/comment-trouver-une-solution-dassurance-malgre-un-probleme-de-sante\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/solutions-aeras-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/solutions-aeras-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/solutions-aeras-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/solutions-aeras.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Malgr\u00e9 un probl\u00e8me de sant\u00e9<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Trouver une solution d&#039;assurance malgr\u00e9 un probl\u00e8me de sant\u00e9<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:95,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/convention-aeras\/&quot;,&quot;title&quot;:&quot;La convention AERAS&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:54}\"\n     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<p class=\"card__time\">3 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/convention-aeras\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">La convention AERAS<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Vous souhaitez souscrire un cr\u00e9dit mais vous craignez que votre \u00e9tat ou vos ant\u00e9c\u00e9dents de sant\u00e9 vous emp\u00eachent d\u2019obtenir l\u2019assurance ? Lors d\u2019une demande d\u2019assurance emprunteur (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Ne restez pas seul avec vos interrogations ou si vous pensez que le dispositif n'est pas correctement appliqu\u00e9. De nombreux interlocuteurs pour vous renseigner Vous pouvez trouver des informations sur la convention AERAS aupr\u00e8s de nombreux interlocuteurs. Un site Internet d\u00e9di\u00e9 est mis \u00e0 disposition du public : www.aeras-infos.fr Vous trouverez de l'information aupr\u00e8s des [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":3,"views":4074,"viewed_at":"1778426288","newsletter":"0","_yoast_wpseo_primary_category":54,"footnotes":""},"categories":[345,348,54,52,277,53],"tags":[],"class_list":["post-350","post","type-post","status-publish","format-standard","hentry","category-lassurance-emprunteur","category-malgre-un-probleme-de-sante-lassurance-credit","category-malgre-un-probleme-de-sante","category-mes-assurances","category-mes-credits","category-pour-mes-credits"],"yoast_head":"<title>AERAS : informations et litige - Malgr\u00e9 un probl\u00e8me de sant\u00e9 - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Ne restez pas seul avec vos interrogations ou si vous pensez que le dispositif AERAS n&#039;est pas correctement appliqu\u00e9.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/aeras-informations-litige\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"AERAS : informations et litige - 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