The CNP health questionnaire for mortgage insurance does not apply to all borrowers. Since the Lemoine law of 2022, a significant portion of applications are exempt from any medical formalities. For those still subject to the questionnaire, how it is filled out directly determines the rate, exclusions, and sometimes the acceptance of the contract. This guide measures the thresholds, details the sections of the CNP form, and identifies errors that can significantly alter the cost of borrower insurance.
Exemption thresholds under the Lemoine law applied by CNP Assurances
Before preparing any medical document, the first step is to check whether the health questionnaire is actually required. The Lemoine law sets two cumulative conditions for obtaining a total exemption.
| Criterion | Exemption Condition | Consequence if not met |
|---|---|---|
| Insured amount per person | Less than or equal to €200,000 | Health questionnaire mandatory |
| Age at the end of the loan | Before 60 years | Health questionnaire mandatory |
| Cumulative with other loans | Only insured amounts count (not consumer loans without insurance) | Recalculation of the global threshold |
For first-time buyers aged 20 to 30, the combination of these two criteria is met in the vast majority of primary residence projects. In this case, CNP Assurances is not allowed to ask medical questions, regardless of the borrower’s health status.
If you have doubts about your eligibility for the exemption, calculating the total insured amount is the data to check first. A borrower who already has an ongoing mortgage with insurance may exceed the limit by adding a second loan, even a modest one. You can fill out the CNP health questionnaire on Easy Mutuelle after verifying that you are indeed subject to this formality.
Sections of the simplified CNP health questionnaire: what is actually asked
The simplified medical questionnaire from CNP Assurances follows a two-step format. The first step is a short form, often digital, that usually contains between ten and fifteen closed questions (yes or no answers). If the answers reveal no particular risk, the process stops there.
The sections cover four main categories:
- Morphological data and habits: height, weight, tobacco or alcohol consumption. These elements are used to calculate a basic risk index for the insurer.
- Ongoing medical treatments: any regularly prescribed medication must be declared, including long-term treatments for stabilized conditions.
- Personal medical history: hospitalizations, surgical interventions, prolonged work stoppages that occurred in recent years.
- Specific pathologies: targeted questions about heart conditions, diabetes, psychiatric disorders, or cancers, which trigger a more in-depth examination if the answer is positive.
When one or more positive answers appear, CNP directs the borrower to a detailed medical questionnaire, or even a supplementary clinical examination. Moving from one level to another does not automatically mean refusal or increased premium: it simply triggers a more detailed risk analysis.
Simple health declaration versus complete questionnaire
The health declaration (sometimes called “declaration on honor”) is an even shorter form, limited to a few lines. It applies to profiles whose insured amount is just above the Lemoine threshold or in intermediate ranges defined by CNP. Do not confuse health declaration with medical questionnaire: the former does not trigger any in-depth medical analysis, while the latter may lead to additional examinations.
Declaration errors and consequences on the borrower insurance contract
The temptation to omit an old condition or ongoing treatment exists. However, the legal consequences are measurable and documented.
Article L.113-8 of the Insurance Code states that a deliberate false declaration leads to the nullity of the contract. In practical terms, if a claim occurs (death, disability, work stoppage) and the insurer discovers a voluntary omission, they can refuse any compensation and retain the premiums already paid. The remaining capital of the mortgage then falls entirely on the borrower or their heirs.
On the other hand, an unintentional omission (forgetting a one-time treatment completed long ago, for example) does not have the same effects. The insurer can adjust the contract, apply a retroactive premium, or exclude a specific guarantee, but the total nullity of the contract does not apply in cases of good faith.
Right to be forgotten and AERAS agreement
The right to be forgotten exempts the declaration of certain cancer-related or hepatitis C-related conditions when the therapeutic protocol has been completed for a period defined by law. This provision directly applies to the CNP questionnaire: if your condition falls under the right to be forgotten, you must answer “no” to the corresponding question.
For borrowers whose medical profile exceeds standard criteria, the AERAS agreement organizes a review in three successive levels. The loan ceiling covered by this system reaches €420,000 in 2026. A refusal at the first level does not mean a definitive refusal: the file automatically goes up to a pool of insurers specialized in aggravated health risks.
Insurance delegation and health questionnaire: what changes with an external insurer
A borrower who chooses insurance delegation (an external contract instead of the CNP group contract offered by the bank) fills out a questionnaire specific to the chosen insurer. The questions are not the same from one contract to another. Some alternative insurers ask fewer questions about psychiatric history, while others apply different pricing grids for smoking.
The relevant point of comparison is not the number of questions, but the impact on the final rate and exclusions of coverage. A shorter questionnaire does not guarantee a better contract. For equivalent guarantees (death, total and irreversible loss of autonomy, temporary work incapacity), the cost can vary significantly depending on how each insurer weighs the medical responses.
The CNP health questionnaire remains a technical document whose stakes go beyond a simple administrative formality. First verifying eligibility for the Lemoine exemption, then filling out each section accurately based on recent medical documents, is the only reliable method to secure your borrower insurance contract without unpleasant surprises at the time of compensation.