{"id":12756,"date":"2016-01-28T10:49:25","date_gmt":"2016-01-28T09:49:25","guid":{"rendered":"http:\/\/reassurez-moi.fr\/guide\/?page_id=12756"},"modified":"2026-02-02T16:42:25","modified_gmt":"2026-02-02T15:42:25","slug":"greffe","status":"publish","type":"page","link":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\/greffe","title":{"rendered":"Assurance pr\u00eat immobilier &#8211; Greffes"},"content":{"rendered":"\n<h1 class=\"p1 wp-block-heading\">Quelle assurance de pr\u00eat immobilier apr\u00e8s une greffe ?<\/h1>\n\n\n\n<p><strong>Les greffes d&rsquo;organes sont consid\u00e9r\u00e9es par la majorit\u00e9 des assureurs de pr\u00eat immobilier comme un risque aggrav\u00e9. <\/strong>Cela peut amener les compagnies \u00e0 demander une surprime ou \u00e0 pratiquer des exclusions dans les garanties. Cependant, les sp\u00e9cificit\u00e9s sont nombreuses et on ne calcule pas tout avec un l&rsquo;IMC (indice de masse corporelle) ou un simple bilan biologique. Ce sont des affections assez fr\u00e9quentes donc le service RM Sant\u00e9 connait bien ses probl\u00e9matiques.<\/p>\n\n\n\n<p><strong>Si vous d\u00e9clarez sur votre questionnaire de sant\u00e9 que vous avez eu une<\/strong> <b>greffe<\/b>, le m\u00e9decin conseil voudra en savoir un peu plus et vous interrogera lors d&rsquo;une <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-pret-immobilier\/examen-medical\">expertise<\/a>.<\/p>\n\n\n\n<p class=\"p1\">Il faudra pr\u00e9ciser quelle maladie est \u00e0 l&rsquo;origine de cette greffe. N&rsquo;oubliez pas d&rsquo;indiquer le traitement que vous prenez.<\/p>\n\n\n\n<p><strong>Voici quelques conseils selon la greffe que vous avez subie : <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-header-double\"><table><thead><tr><th><\/th><th class=\"has-text-align-center\" data-align=\"center\">Que joindre \u00e0 votre questionnaire de sant\u00e9 ?<\/th><th class=\"has-text-align-center\" data-align=\"center\">Quelles cons\u00e9quences sur votre assurance de pr\u00eat ?<\/th><\/tr><\/thead><tbody><tr><td><strong>Greffe du pancr\u00e9as<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211; les d\u00e9tails du traitement que vous prenez, dont le m\u00e9dicament anti-rejet,<br>&#8211; un bilan sanguin complet pour \u00e9liminer une pancr\u00e9atite chronique.<\/td><td class=\"has-text-align-center\" data-align=\"center\">Il y a de fortes chances pour que les garanties IT et PTIA vous soient refus\u00e9es.<br>Quant \u00e0 la garantie d\u00e9c\u00e8s, s\u2019il s\u2019agit d\u2019un emprunt \u00e0 court terme, que vous n\u2019avez plus de diab\u00e8te et qu\u2019il n\u2019y a pas eu de complications, vous aurez un risque aggrav\u00e9 entre 150 et 200 %.<\/td><\/tr><tr><td><strong>Greffe du poumon<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211; les deux derniers compte-rendus de consultation chez le pneumologue qui vous suit, avec les r\u00e9sultats des derni\u00e8res \u00c9preuves Fonctionnelles Respiratoires (EFR),<br>&#8211; un document pr\u00e9cisant quelle maladie a entra\u00een\u00e9 cette greffe : cancer bronchique primitif, Broncho-Pneumopathie Chronique Obstructive (BPCO), emphys\u00e8me, mucoviscidose\u2026<br>&#8211; le traitement que vous prenez.<\/td><td class=\"has-text-align-center\" data-align=\"center\">Il y a de fortes chances pour que les garanties IT et <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-pret-immobilier\/ptia\">PTIA<\/a> vous soient refus\u00e9es.<br>Quant \u00e0 la garantie d\u00e9c\u00e8s, s\u2019il s\u2019agit d\u2019un emprunt \u00e0 court terme et que vous avez une fonction pulmonaire satisfaisante, vous aurez un risque aggrav\u00e9 entre 150 et 200 %.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"is-style-arrow-right wp-block-list\"><li><a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-pret-immobilier\/greffe-cardiaque\">greffe cardiaque<\/a> ; <\/li><li><a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-pret-immobilier\/greffe-hepatique\">greffe h\u00e9patique<\/a> ;<\/li><li><a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-pret-immobilier\/greffe-renale\">greffe r\u00e9nale<\/a> <\/li><\/ul>\n\n\n\n<p><strong>Il est important de faire jouer la concurrence car les grilles de tarification peuvent \u00eatre tr\u00e8s diff\u00e9rentes d\u2019une assurance \u00e0 l\u2019autre. <\/strong>Par exp\u00e9rience, les contrats des banques ne sont pas les plus comp\u00e9titifs financi\u00e8rement parlant, ni ceux qui acceptent le plus facilement les risques m\u00e9dicaux : c\u2019est pourquoi choisir un assureur externe est la solution la plus commune pour les emprunteurs ayant un probl\u00e8me de sant\u00e9. Gr\u00e2ce \u00e0 notre comparateur, retrouvez les meilleures assurance emprunteur du march\u00e9. <\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\n\n<div class=\"wp-block-rm-advertizing-block fix-in-sidebar advertising-block-sidebar-item\">\n    <div class=\"image-container flex justify-center align-items-center\">\n        <img decoding=\"async\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2025\/06\/team_opti_short.png\"\n             alt=\"reassurez-moi illustration\"\n             class=\"wp-block-rm-advertizing-image\"\n             loading=\"lazy\"\n        \/>\n    <\/div>\n    <div class=\"rm-advertblock-container flex flex-column justify-center align-items-start\">\n        <p class=\"wp-block-rm-advertizing-text\">\n            Assurance emprunteur\n        <\/p>\n        <p class=\"wp-block-rm-advertizing-sub-text\">\n            les meilleures offres 2026\n        <\/p>\n        <a\n            href=\"https:\/\/reassurez-moi.fr\/simulation-assurance-pret-immobilier\"\n            class=\"wp-block-rm-advertizing-button\"\n        >\n            <span class=\"wp-block-rm-advertizing-button-text\">\n                Comparer\n            <\/span>\n            <span class=\"wp-block-rm-advertizing-button-sub-text\">\n               nos assurances de pr\u00eat\n            <\/span>\n        <\/a>\n    <\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Quelle assurance de pr\u00eat immobilier apr\u00e8s une greffe ? Les greffes d&rsquo;organes sont consid\u00e9r\u00e9es par la majorit\u00e9 des assureurs de pr\u00eat immobilier comme un risque aggrav\u00e9. Cela peut amener les compagnies \u00e0 demander une surprime ou \u00e0 pratiquer des exclusions dans les garanties. Cependant, les sp\u00e9cificit\u00e9s sont nombreuses et on ne calcule pas tout avec\u2026<\/p>\n","protected":false},"author":67,"featured_media":0,"parent":31393,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"page_topic":[546],"class_list":["post-12756","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Quelle assurance de pr\u00eat immobilier suite \u00e0 une greffe ?<\/title>\n<meta name=\"description\" content=\"Retrouvez les conseils de notre m\u00e9decin expert pour souscrire une assurance emprunteur malgr\u00e9 une greffe - Devis gratuits\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\/greffe\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quelle assurance de pr\u00eat immobilier suite \u00e0 une greffe ?\" \/>\n<meta property=\"og:description\" content=\"Retrouvez les conseils de notre m\u00e9decin expert pour souscrire une assurance emprunteur malgr\u00e9 une greffe - Devis gratuits\" \/>\n<meta property=\"og:url\" content=\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\/greffe\" \/>\n<meta property=\"og:site_name\" content=\"R\u00e9assurez-moi\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/R%c3%a9assurez-moi-209456495889479\/\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-02T15:42:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-content\/uploads\/2018\/04\/image-de-partage.png\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"160\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@reassurezmoi\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\/greffe\",\"url\":\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\/greffe\",\"name\":\"Quelle assurance de pr\u00eat immobilier suite \u00e0 une greffe ?\",\"isPartOf\":{\"@id\":\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/#website\"},\"datePublished\":\"2016-01-28T09:49:25+00:00\",\"dateModified\":\"2026-02-02T15:42:25+00:00\",\"description\":\"Retrouvez les conseils de notre m\u00e9decin expert pour souscrire une assurance emprunteur malgr\u00e9 une greffe - Devis gratuits\",\"breadcrumb\":{\"@id\":\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\/greffe#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\/greffe\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\/greffe#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Assurances\",\"item\":\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurance pr\u00eat immobilier\",\"item\":\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Greffe\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/#website\",\"url\":\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/\",\"name\":\"R\u00e9assurez-moi\",\"description\":\"Comparateur d&#039;assurances\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Quelle assurance de pr\u00eat immobilier suite \u00e0 une greffe ?","description":"Retrouvez les conseils de notre m\u00e9decin expert pour souscrire une assurance emprunteur malgr\u00e9 une greffe - Devis gratuits","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:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\/greffe","og_locale":"fr_FR","og_type":"article","og_title":"Quelle assurance de pr\u00eat immobilier suite \u00e0 une greffe ?","og_description":"Retrouvez les conseils de notre m\u00e9decin expert pour souscrire une assurance emprunteur malgr\u00e9 une greffe - Devis gratuits","og_url":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\/greffe","og_site_name":"R\u00e9assurez-moi","article_publisher":"https:\/\/www.facebook.com\/R%c3%a9assurez-moi-209456495889479\/","article_modified_time":"2026-02-02T15:42:25+00:00","og_image":[{"width":500,"height":160,"url":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-content\/uploads\/2018\/04\/image-de-partage.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_site":"@reassurezmoi","twitter_misc":{"Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\/greffe","url":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\/greffe","name":"Quelle assurance de pr\u00eat immobilier suite \u00e0 une greffe ?","isPartOf":{"@id":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/#website"},"datePublished":"2016-01-28T09:49:25+00:00","dateModified":"2026-02-02T15:42:25+00:00","description":"Retrouvez les conseils de notre m\u00e9decin expert pour souscrire une assurance emprunteur malgr\u00e9 une greffe - Devis gratuits","breadcrumb":{"@id":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\/greffe#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\/greffe"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier\/greffe#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Assurances","item":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/"},{"@type":"ListItem","position":2,"name":"Assurance pr\u00eat immobilier","item":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-pret-immobilier"},{"@type":"ListItem","position":3,"name":"Greffe"}]},{"@type":"WebSite","@id":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/#website","url":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/","name":"R\u00e9assurez-moi","description":"Comparateur d&#039;assurances","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"}]}},"acf":[],"_links":{"self":[{"href":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-json\/wp\/v2\/pages\/12756","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-json\/wp\/v2\/users\/67"}],"replies":[{"embeddable":true,"href":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-json\/wp\/v2\/comments?post=12756"}],"version-history":[{"count":1,"href":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-json\/wp\/v2\/pages\/12756\/revisions"}],"predecessor-version":[{"id":216454,"href":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-json\/wp\/v2\/pages\/12756\/revisions\/216454"}],"up":[{"embeddable":true,"href":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-json\/wp\/v2\/pages\/31393"}],"wp:attachment":[{"href":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-json\/wp\/v2\/media?parent=12756"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-json\/wp\/v2\/categories?post=12756"},{"taxonomy":"page_topic","embeddable":true,"href":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-json\/wp\/v2\/page_topic?post=12756"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}