Ireland enshrines Right to be forgotten for mortgage insurance
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In Ireland, insurers must now legally ignore past cancer diagnoses when evaluating mortgage protection insurance applications, if the applicant has finished active treatment and remained in remission for at least five years.
Previously, cancer survivors often struggled to secure mortgage coverage even long after completing treatment. The new “Right to be Forgotten” legislation applies to mortgages for a primary residence valued up to €650,000.
Some insurers voluntarily adopted similar practices in December 2023, disregarding diagnoses after seven years in remission, or five years for those diagnosed under 18, for coverage up to €500,000. Insurance Ireland CEO Moyagh Murdock stated that a prior cancer diagnosis should not hinder people rebuilding their lives. The law began as a bill proposed by Catherine Ardagh, a member of the Fianna Fáil party, and followed campaigning by groups like the Irish Cancer Society.
