Monaco’s right-to-be-forgotten scheme for people with a history of serious illness is now fully operational, opening the way for eligible borrowers to access loan insurance without declaring certain past medical conditions.
The Monegasque Government announced the implementation of the measures following the publication of the final regulatory texts in the Journal de Monaco on June 19, 2026. The framework stems from Law No. 1.561, adopted in July 2024, which aims to make borrowing more accessible to people presenting an increased health risk.
At the heart of the legislation is the right to be forgotten, allowing eligible applicants who have previously suffered from certain illnesses to apply for borrower insurance without having to disclose their medical history relating to those conditions.
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Under the scheme, people previously affected by cancer or viral hepatitis C may qualify if their treatment protocol has been completed for more than five years, with no relapse, and the insurance contract ends before they reach the age of 71. The exemption applies to qualifying medical conditions and does not remove the obligation to disclose other relevant health information.
The legislation also provides safeguards for people who do not meet the criteria for the right to be forgotten. For certain conditions listed in an official reference framework, applicants may be eligible for borrower insurance without additional premiums or exclusions, or with surcharges capped under specified conditions.
The measures cover insurance associated with certain consumer loans, property loans and professional borrowing, subject to the relevant eligibility requirements. By establishing clearer rules for insurers and lenders, the framework aims to reduce the barriers faced by people whose medical history might otherwise make obtaining insurance more difficult.
A further element of the legislation is the creation of the Commission for the Right to Be Forgotten and Mediation. The body is responsible for examining individual complaints from prospective borrowers and, where appropriate, helping to resolve disputes between applicants, insurers and credit institutions.
Its secretariat is provided by Monaco’s Budget and Treasury Department. The commission can also issue recommendations to the parties concerned, with the aim of ensuring that the legal provisions are properly applied and that complaints are handled efficiently.
Information on how to refer a case to the commission is available through the MonServicePublic portal and the website of the Budget and Treasury Department.
The scheme represents a further step in Monaco’s efforts to improve access to credit for people who have experienced serious illness. By combining the right to be forgotten with regulated insurance conditions and a dedicated mediation process, the legislation seeks to ensure that a medical history does not automatically become an obstacle to future borrowing.
