Ireland’s Department of Finance has highlighted statutory protections that allow eligible cancer survivors to have their cancer history disregarded when applying for mortgage protection insurance for their principal private residence. The protections took effect on 15 October 2026. In a keynote address at a Brussels conference on the Right to Be Forgotten for cancer survivors, Robert Troy, minister of state with responsibility for financial services, credit unions and insurance, outlined Ireland’s transition from a voluntary industry code to enforceable statutory rights. The Insurance (Disregard of Certain Medical History and Miscellaneous Provisions) Act 2026 sets the required period following completion of active cancer treatment and in remission at five years, regardless of age at diagnosis. The previous voluntary code required seven years, or five years for those diagnosed before age 18. The legislation also increases the cover threshold from EUR 500,000 to EUR 650,000, with normal underwriting applying above that threshold. The department will monitor implementation across the market.
Ireland’s Department of Finance highlights statutory mortgage protection insurance rights for cancer survivors
Ireland’s Department of Finance highlighted statutory rights for eligible cancer survivors seeking mortgage protection insurance, which took effect on 15 October 2026, in a Brussels conference address by Minister of State Robert Troy. The framework replaces voluntary protections with enforceable rights, reduces the qualifying period to five years regardless of age at diagnosis and raises the cover threshold to EUR 650,000, with normal underwriting above that amount.