{"id":22982,"date":"2022-02-23T16:48:00","date_gmt":"2022-02-23T15:48:00","guid":{"rendered":"https:\/\/avoloi.eu\/?p=22982"},"modified":"2022-02-23T16:48:00","modified_gmt":"2022-02-23T15:48:00","slug":"la-convention-aeras","status":"publish","type":"post","link":"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/","title":{"rendered":"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : la convention AERAS"},"content":{"rendered":"<p>Les personnes qui connaissent ou ont connu un probl\u00e8me de sant\u00e9 peuvent souvent \u00e9prouver des difficult\u00e9s \u00e0 obtenir un cr\u00e9dit, notamment en ce qui concerne l&rsquo;assurance. Pour faciliter l&rsquo;accessibilit\u00e9, il existe une convention nomm\u00e9e <a href=\"https:\/\/avoloi.eu\/convention-aeras\/\">AERAS<\/a> qui permet de rendre les d\u00e9marches plus ais\u00e9es afin d&rsquo;obtenir une assurance rapidement.<\/p>\n<h2><strong>Le profil de risque de l&#8217;emprunteur<\/strong><\/h2>\n<p>Lors de tout octroi de cr\u00e9dit, le premier \u00e9l\u00e9ment analys\u00e9 dans le profil de l&#8217;emprunteur est sa solvabilit\u00e9. D&rsquo;elle d\u00e9coule la proposition de financement mais la souscription d&rsquo;une assurance permettant de garantir le remboursement du cr\u00e9dit en cas d&rsquo;accident ou de d\u00e9c\u00e8s est obligatoire.<br>M\u00eame s&rsquo;il est possible de choisir l&rsquo;assurance emprunteur de son choix, il est commun de se voir proposer l&rsquo;assurance de l&rsquo;\u00e9tablissement de cr\u00e9dit qui accorde le pr\u00eat. Pour b\u00e9n\u00e9ficier d&rsquo;un contrat d&rsquo;assurance, l&#8217;emprunteur doit remplir plusieurs d\u00e9marches, parmi lesquelles :<\/p>\n<ul>\n<li>R\u00e9pondre \u00e0 un questionnaire de sant\u00e9 ;<\/li>\n<li>Remplir un formulaire de d\u00e9claration de risque ;<\/li>\n<li>Effectuer certaines formalit\u00e9s m\u00e9dicales (analyses ou examens, parfois visite m\u00e9dicale).<\/li>\n<\/ul>\n<p>En fonction des donn\u00e9es fournies, l&rsquo;assureur \u00e9tablit un profil de risque pour le demandeur. S&rsquo;il d\u00e9termine que ce dernier pr\u00e9sente un \u00ab\u00a0risque aggrav\u00e9 de sant\u00e9\u00a0\u00bb, il peut majorer le tarif ou refuser la demande.<\/p>\n<h3><strong>Le risque aggrav\u00e9 de sant\u00e9<\/strong><\/h3>\n<p>Dans le cadre d&rsquo;une demande d&rsquo;assurance emprunteur, le risque aggrav\u00e9 de sant\u00e9 est invoqu\u00e9 lorsque le demandeur a connu ou conna\u00eet actuellement un probl\u00e8me de sant\u00e9 qui r\u00e9duit son esp\u00e9rance de vie ou augmente les chances d&rsquo;une invalidit\u00e9 ou d&rsquo;une incapacit\u00e9 temporaire de travail dans le futur.<\/p>\n<h2><strong>La convention AERAS pour obtenir un cr\u00e9dit<\/strong><\/h2>\n<p>Au d\u00e9but des ann\u00e9es 90, l&rsquo;Etat, en collaboration avec les associations de malade et les professionnels de l&rsquo;assurance, a cherch\u00e9 \u00e0 trouver une solution pour faciliter les d\u00e9marches des particuliers. De cette r\u00e9flexion est n\u00e9e la convention AERAS (S&rsquo;Assurer et Emprunter avec un Risque Aggrav\u00e9 de Sant\u00e9).<\/p>\n<p>Cette convention vise \u00e0 prot\u00e9ger les personnes qui pr\u00e9sentent un risque aggrav\u00e9 de sant\u00e9 et \u00e0 leur faciliter l&rsquo;acc\u00e8s au <a href=\"https:\/\/avoloi.eu\/remboursement-credit-immobilier\/\">cr\u00e9dit<\/a> au travers de mesures r\u00e9vis\u00e9es plusieurs fois. Certaines conditions comme l&rsquo;\u00e2ge ou les ressources peuvent \u00eatre n\u00e9cessaires. Ce dispositif est valable aussi bien pour l&rsquo;octroi d&rsquo;un cr\u00e9dit \u00e0 la consommation que pour un pr\u00eat immobilier.<\/p>\n<h2><strong>La convention AERAS pour le cr\u00e9dit consommation<\/strong><\/h2>\n<p>Dans le cadre d&rsquo;un cr\u00e9dit \u00e0 la consommation affect\u00e9 (autrement dit pour lequel l&rsquo;argent pr\u00eat\u00e9 est destin\u00e9 \u00e0 un achat de bien ou service pr\u00e9vu \u00e0 l&rsquo;avance dans le contrat), la convention AERAS pr\u00e9voit que l&#8217;emprunteur peut demander \u00e0 ne pas remplir de questionnaire de sant\u00e9 et \u00e0 se voir affecter une garantie d\u00e9c\u00e8s de mani\u00e8re automatique.<br>Pour b\u00e9n\u00e9ficier de ces dispositions, plusieurs conditions doivent toutefois \u00eatre remplies :<\/p>\n<ul>\n<li>Le cr\u00e9dit ne doit pas \u00eatre souscrit pour une dur\u00e9e sup\u00e9rieure \u00e0 quatre ans ;<\/li>\n<li>L&#8217;emprunteur ne peut pas \u00eatre \u00e2g\u00e9 de plus de 50 ans ;<\/li>\n<li>Le montant cumul\u00e9 des cr\u00e9dits ne peut d\u00e9passer 17 000\u20ac.<\/li>\n<\/ul>\n<h2><strong>La convention AERAS pour le cr\u00e9dit immobilier<\/strong><\/h2>\n<p>Dans le cadre d&rsquo;un pr\u00eat immobilier (ou professionnel), la demande d&rsquo;assurance doit passer par un m\u00e9canisme d&rsquo;examen \u00e0 trois niveaux. Si le demandeur se voit refuser une couverture des risques D\u00e9c\u00e8s et invalidit\u00e9, sa demande doit \u00eatre r\u00e9examin\u00e9e. En cas de second refus, la demande est transmise au Pool des risques aggrav\u00e9s.<br>Seules les demandes r\u00e9unissant les conditions suivantes peuvent b\u00e9n\u00e9ficier du dispositif :<\/p>\n<ul>\n<li>Le financement immobilier de la r\u00e9sidence principale n&rsquo;exc\u00e8de pas 320 000\u20ac pour la part assur\u00e9(e), hors pr\u00eat relais ;<\/li>\n<li>Pour un financement hors r\u00e9sidence principale, le montant est le m\u00eame et prend en compte les pr\u00e9c\u00e9dentes op\u00e9rations de cr\u00e9dit de toute nature ;<\/li>\n<li>Le contrat d&rsquo;assurance doit arriver \u00e0 \u00e9ch\u00e9ance avant le 71e anniversaire de l&#8217;emprunteur.<\/li>\n<\/ul>\n<p>Certains m\u00e9canismes de la convention AERAS li\u00e9s aux cr\u00e9dits immobiliers ou professionnels peuvent \u00e9galement \u00eatre soumis \u00e0 des conditions de ressources, calcul\u00e9es en fonction du nombre de parts du foyer fiscal de l&rsquo;assur\u00e9.<\/p>\n<h2><strong>Le droit \u00e0 l&rsquo;oubli dans la convention AERAS<\/strong><\/h2>\n<p>Depuis 2015, la convention AERAS pr\u00e9voit un dispositif appel\u00e9 \u00ab\u00a0droit \u00e0 l&rsquo;oubli\u00a0\u00bb qui permet aux personnes ayant \u00e9t\u00e9 atteintes d&rsquo;un cancer et ayant termin\u00e9 leur protocole th\u00e9rapeutique depuis un certain nombre d&rsquo;ann\u00e9es de ne pas notifier les organismes d&rsquo;assurance de leur ancienne maladie.<\/p>\n<p>Si le demandeur a \u00e9t\u00e9 atteint d&rsquo;un cancer avant ses vingt-et-un ans, que le protocole m\u00e9dical est termin\u00e9 depuis au moins cinq ans et qu&rsquo;aucune rechute n&rsquo;a \u00e9t\u00e9 constat\u00e9e, il n&rsquo;a pas \u00e0 en informer son assureur. Si le demandeur avait plus de 21 ans lorsqu&rsquo;il a \u00e9t\u00e9 atteint par un cancer, la dur\u00e9e apr\u00e8s laquelle le droit \u00e0 l&rsquo;oubli pr\u00e9vaut est fix\u00e9e \u00e0 dix ans.<\/p>\n<p>En cas de difficult\u00e9s d&rsquo;application de la convention, il est possible de contacter la Commission de m\u00e9diation par courrier (4 place de Budapest \u2013 CS 92459 \u2013 75436 PARIS CEDEX 09).<\/p>\n<p><em>Image : <a href=\"https:\/\/unsplash.com\/@towfiqu999999?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText\" target=\"_blank\" rel=\"noopener\">Towfiqu barbhuiya<\/a>&nbsp;on&nbsp;<a href=\"https:\/\/unsplash.com\/s\/photos\/savings?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText\" target=\"_blank\" rel=\"noopener\">Unsplash<\/a><\/em><\/p>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les personnes qui connaissent ou ont connu un probl\u00e8me de sant\u00e9 peuvent souvent \u00e9prouver des difficult\u00e9s \u00e0 obtenir un cr\u00e9dit&#8230;<\/p>\n","protected":false},"author":2,"featured_media":22983,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[279],"tags":[101,13,14,49],"class_list":["post-22982","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-droit-bancaire-droit-de-la-consommation","tag-assurance","tag-credit","tag-droit-bancaire","tag-sante"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : la convention AERAS<\/title>\n<meta name=\"description\" content=\"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : Qu&#039;est-ce que la convention AERAS ? Venez vite le d\u00e9couvrir !\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : la convention AERAS\" \/>\n<meta property=\"og:description\" content=\"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : Qu&#039;est-ce que la convention AERAS ? Venez vite le d\u00e9couvrir !\" \/>\n<meta property=\"og:url\" content=\"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/\" \/>\n<meta property=\"og:site_name\" content=\"Le blog Avoloi\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/fr-fr.facebook.com\/avoloi\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-23T15:48:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/avoloi.fr\/blog\/wp-content\/uploads\/2022\/02\/la-convention-aeras.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"333\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Avoloi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@avoloi\" \/>\n<meta name=\"twitter:site\" content=\"@avoloi\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Avoloi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/la-convention-aeras\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/la-convention-aeras\\\/\"},\"author\":{\"name\":\"Avoloi\",\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/#\\\/schema\\\/person\\\/23b73188a8a805006f016e2a3cb617b1\"},\"headline\":\"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : la convention AERAS\",\"datePublished\":\"2022-02-23T15:48:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/la-convention-aeras\\\/\"},\"wordCount\":907,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/la-convention-aeras\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/02\\\/la-convention-aeras.jpg\",\"keywords\":[\"assurance\",\"cr\u00e9dit\",\"droit bancaire\",\"sant\u00e9\"],\"articleSection\":[\"Droit bancaire \\\/ Droit de la consommation\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/avoloi.fr\\\/blog\\\/la-convention-aeras\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/la-convention-aeras\\\/\",\"url\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/la-convention-aeras\\\/\",\"name\":\"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : la convention AERAS\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/la-convention-aeras\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/la-convention-aeras\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/02\\\/la-convention-aeras.jpg\",\"datePublished\":\"2022-02-23T15:48:00+00:00\",\"description\":\"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : Qu'est-ce que la convention AERAS ? Venez vite le d\u00e9couvrir !\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/la-convention-aeras\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/avoloi.fr\\\/blog\\\/la-convention-aeras\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/la-convention-aeras\\\/#primaryimage\",\"url\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/02\\\/la-convention-aeras.jpg\",\"contentUrl\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/02\\\/la-convention-aeras.jpg\",\"width\":500,\"height\":333,\"caption\":\"la convention aeras\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/la-convention-aeras\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : la convention AERAS\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/\",\"name\":\"Le blog Avoloi\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/#organization\",\"name\":\"Avoloi\",\"url\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/avoloi_726x172.png\",\"contentUrl\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/avoloi_726x172.png\",\"width\":726,\"height\":172,\"caption\":\"Avoloi\"},\"image\":{\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/fr-fr.facebook.com\\\/avoloi\\\/\",\"https:\\\/\\\/x.com\\\/avoloi\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/11097274\\\/\",\"https:\\\/\\\/www.instagram.com\\\/avoloi\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/#\\\/schema\\\/person\\\/23b73188a8a805006f016e2a3cb617b1\",\"name\":\"Avoloi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2ec2e99d2d37d9499d05c0d8442d636f63a751b8a8c16870416ac671c571f81d?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2ec2e99d2d37d9499d05c0d8442d636f63a751b8a8c16870416ac671c571f81d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2ec2e99d2d37d9499d05c0d8442d636f63a751b8a8c16870416ac671c571f81d?s=96&d=mm&r=g\",\"caption\":\"Avoloi\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : la convention AERAS","description":"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : Qu'est-ce que la convention AERAS ? Venez vite le d\u00e9couvrir !","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/","og_locale":"fr_FR","og_type":"article","og_title":"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : la convention AERAS","og_description":"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : Qu'est-ce que la convention AERAS ? Venez vite le d\u00e9couvrir !","og_url":"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/","og_site_name":"Le blog Avoloi","article_publisher":"https:\/\/fr-fr.facebook.com\/avoloi\/","article_published_time":"2022-02-23T15:48:00+00:00","og_image":[{"width":500,"height":333,"url":"https:\/\/avoloi.fr\/blog\/wp-content\/uploads\/2022\/02\/la-convention-aeras.jpg","type":"image\/jpeg"}],"author":"Avoloi","twitter_card":"summary_large_image","twitter_creator":"@avoloi","twitter_site":"@avoloi","twitter_misc":{"\u00c9crit par":"Avoloi","Dur\u00e9e de lecture estim\u00e9e":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/#article","isPartOf":{"@id":"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/"},"author":{"name":"Avoloi","@id":"https:\/\/avoloi.fr\/blog\/#\/schema\/person\/23b73188a8a805006f016e2a3cb617b1"},"headline":"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : la convention AERAS","datePublished":"2022-02-23T15:48:00+00:00","mainEntityOfPage":{"@id":"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/"},"wordCount":907,"commentCount":0,"publisher":{"@id":"https:\/\/avoloi.fr\/blog\/#organization"},"image":{"@id":"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/#primaryimage"},"thumbnailUrl":"https:\/\/avoloi.fr\/blog\/wp-content\/uploads\/2022\/02\/la-convention-aeras.jpg","keywords":["assurance","cr\u00e9dit","droit bancaire","sant\u00e9"],"articleSection":["Droit bancaire \/ Droit de la consommation"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/avoloi.fr\/blog\/la-convention-aeras\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/","url":"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/","name":"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : la convention AERAS","isPartOf":{"@id":"https:\/\/avoloi.fr\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/#primaryimage"},"image":{"@id":"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/#primaryimage"},"thumbnailUrl":"https:\/\/avoloi.fr\/blog\/wp-content\/uploads\/2022\/02\/la-convention-aeras.jpg","datePublished":"2022-02-23T15:48:00+00:00","description":"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : Qu'est-ce que la convention AERAS ? Venez vite le d\u00e9couvrir !","breadcrumb":{"@id":"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/avoloi.fr\/blog\/la-convention-aeras\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/#primaryimage","url":"https:\/\/avoloi.fr\/blog\/wp-content\/uploads\/2022\/02\/la-convention-aeras.jpg","contentUrl":"https:\/\/avoloi.fr\/blog\/wp-content\/uploads\/2022\/02\/la-convention-aeras.jpg","width":500,"height":333,"caption":"la convention aeras"},{"@type":"BreadcrumbList","@id":"https:\/\/avoloi.fr\/blog\/la-convention-aeras\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/avoloi.fr\/blog\/"},{"@type":"ListItem","position":2,"name":"Assurer son cr\u00e9dit en cas de probl\u00e8me de sant\u00e9 : la convention AERAS"}]},{"@type":"WebSite","@id":"https:\/\/avoloi.fr\/blog\/#website","url":"https:\/\/avoloi.fr\/blog\/","name":"Le blog Avoloi","description":"","publisher":{"@id":"https:\/\/avoloi.fr\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/avoloi.fr\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/avoloi.fr\/blog\/#organization","name":"Avoloi","url":"https:\/\/avoloi.fr\/blog\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/avoloi.fr\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/avoloi.fr\/blog\/wp-content\/uploads\/2022\/06\/avoloi_726x172.png","contentUrl":"https:\/\/avoloi.fr\/blog\/wp-content\/uploads\/2022\/06\/avoloi_726x172.png","width":726,"height":172,"caption":"Avoloi"},"image":{"@id":"https:\/\/avoloi.fr\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/fr-fr.facebook.com\/avoloi\/","https:\/\/x.com\/avoloi","https:\/\/www.linkedin.com\/company\/11097274\/","https:\/\/www.instagram.com\/avoloi\/"]},{"@type":"Person","@id":"https:\/\/avoloi.fr\/blog\/#\/schema\/person\/23b73188a8a805006f016e2a3cb617b1","name":"Avoloi","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/2ec2e99d2d37d9499d05c0d8442d636f63a751b8a8c16870416ac671c571f81d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2ec2e99d2d37d9499d05c0d8442d636f63a751b8a8c16870416ac671c571f81d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2ec2e99d2d37d9499d05c0d8442d636f63a751b8a8c16870416ac671c571f81d?s=96&d=mm&r=g","caption":"Avoloi"}}]}},"_links":{"self":[{"href":"https:\/\/avoloi.fr\/blog\/wp-json\/wp\/v2\/posts\/22982","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/avoloi.fr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/avoloi.fr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/avoloi.fr\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/avoloi.fr\/blog\/wp-json\/wp\/v2\/comments?post=22982"}],"version-history":[{"count":0,"href":"https:\/\/avoloi.fr\/blog\/wp-json\/wp\/v2\/posts\/22982\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/avoloi.fr\/blog\/wp-json\/wp\/v2\/media\/22983"}],"wp:attachment":[{"href":"https:\/\/avoloi.fr\/blog\/wp-json\/wp\/v2\/media?parent=22982"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/avoloi.fr\/blog\/wp-json\/wp\/v2\/categories?post=22982"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/avoloi.fr\/blog\/wp-json\/wp\/v2\/tags?post=22982"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}