{"id":313,"date":"2024-07-02T10:41:22","date_gmt":"2024-07-02T08:41:22","guid":{"rendered":"https:\/\/ignaciopellicer.com\/?p=313"},"modified":"2024-07-02T10:49:13","modified_gmt":"2024-07-02T08:49:13","slug":"step-by-step-how-to-deregister-as-a-resident-in-spain","status":"publish","type":"post","link":"https:\/\/ignaciopellicer.com\/en\/step-by-step-how-to-deregister-as-a-resident-in-spain\/","title":{"rendered":"Right to oncological oblivion"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"313\" class=\"elementor elementor-313 elementor-312\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-029ee1e e-flex e-con-boxed e-con e-parent\" data-id=\"029ee1e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e86df9d elementor-widget elementor-widget-heading\" data-id=\"e86df9d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.22.0 - 26-06-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">What is it?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a08db23 elementor-widget elementor-widget-text-editor\" data-id=\"a08db23\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.22.0 - 26-06-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>This is the right not to have a history of having suffered from cancer considered in various situations of daily life, such as taking out life insurance or applying for a loan.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-beccf6b e-flex e-con-boxed e-con e-parent\" data-id=\"beccf6b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4276b1a elementor-widget elementor-widget-heading\" data-id=\"4276b1a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Where does this initiative come from?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-006124d elementor-widget elementor-widget-text-editor\" data-id=\"006124d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>In February 2022, the European Parliament approved a directive to step up the fight against cancer. This directive stated that &#8220;insurers and banks should not take into account the medical history of people affected by cancer&#8221; and urged that &#8220;national legislations should ensure that cancer survivors are not discriminated against in comparison with other consumers&#8221;.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c28164 e-flex e-con-boxed e-con e-parent\" data-id=\"8c28164\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a48c3e0 elementor-widget elementor-widget-heading\" data-id=\"a48c3e0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How has Spain responded to this directive?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebe4b98 elementor-widget elementor-widget-text-editor\" data-id=\"ebe4b98\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>In response to this directive, the Spanish government adjusted our legislation to implement the &#8220;right to oncological oblivion&#8221;. Until now, people who had suffered from cancer had to inform banks and insurance companies when taking out a policy or financial product (loans, mortgages, etc.), which often resulted in the rejection of their applications or increased premiums due to the perceived risk.<\/p>\n<p>In Spain, it is estimated that around 1.5 million people have survived cancer. The implementation of this legislation is a crucial step in ensuring that these survivors do not face discrimination in accessing insurance and financial products.<\/p>\n<p>Following this directive, the Spanish government approved Royal Decree-Law 5\/2023, of June 28, which regulates the &#8220;right to oncological oblivion&#8221;.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b7b17d2 e-flex e-con-boxed e-con e-parent\" data-id=\"b7b17d2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e48b69 elementor-widget elementor-widget-heading\" data-id=\"6e48b69\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Legislative changes\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fb25a1 elementor-widget elementor-widget-text-editor\" data-id=\"8fb25a1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Article 209 of the decree mentions the amendments made to Law 50\/1980, of October 8, 1980, on insurance contracts. Article 10 is amended and an additional fifth provision is added.<\/p>\n<p><strong>Article 10 amended:<\/strong> &#8220;The policyholder of a life insurance policy is not obliged to declare whether he\/she or the insured has suffered from cancer once five years have elapsed since the end of the radical treatment without subsequent relapse. Once this period has elapsed, the insurer may not consider the existence of oncological antecedents for taking out the insurance, and any discrimination or restriction on this ground shall be prohibited.&#8221;<\/p>\n<p><strong>Fifth additional provision:<\/strong> &#8220;In no case may access to contracting be denied, contracting procedures different from the usual ones be established, more onerous conditions be imposed or any other way discriminate against a person for having suffered an oncological pathology, once five years have elapsed since the end of radical treatment without subsequent relapse&#8221;.<\/p>\n<p>&#8220;The Government, by royal decree, may modify the deadlines established in the previous section and in the last paragraph of Article 10, jointly or for specific oncologic pathologies, depending on the evolution of scientific evidence.&#8221;<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bc120c8 e-flex e-con-boxed e-con e-parent\" data-id=\"bc120c8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b41ca3 elementor-widget elementor-widget-heading\" data-id=\"4b41ca3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who can request the right to oncological oblivion?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00a99fe elementor-widget elementor-widget-text-editor\" data-id=\"00a99fe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Persons who have suffered an oncological pathology may apply for this right, provided that at least 5 years have elapsed since the end of the treatment without relapse. In Europe, approximately 12.1 million people have survived cancer, highlighting the importance of this measure at the continental level.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2c2fb70 e-flex e-con-boxed e-con e-parent\" data-id=\"2c2fb70\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-658b735 elementor-widget elementor-widget-heading\" data-id=\"658b735\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Changes implied by this right\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6854f3 elementor-widget elementor-widget-text-editor\" data-id=\"d6854f3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>For the contracting of insurance and banking products by patients with oncological pathologies, once 5 years have elapsed since the end of treatment without relapse:<\/p>\n<ul>\n<li>Any clauses, stipulations, conditions or covenants that exclude a person for having suffered from cancer shall be null and void.<\/li>\n<li>It is forbidden to differentiate in the contracting of insurance because of having suffered an oncological pathology.<\/li>\n<li>The obligation to declare whether one has suffered from cancer in order to subscribe a life insurance policy is eliminated and it is prohibited to consider oncological antecedents in this procedure.<\/li>\n<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c9cd54 e-flex e-con-boxed e-con e-parent\" data-id=\"7c9cd54\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3a13c2 elementor-widget elementor-widget-text-editor\" data-id=\"b3a13c2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"flex flex-grow flex-col max-w-full\">\n<div class=\"min-h-[20px] text-message flex flex-col items-start whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 juice:w-full juice:items-end overflow-x-auto gap-2\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"919ee7cc-f8e9-44df-8aa4-45473f25db56\">\n<div class=\"flex w-full flex-col gap-1 juice:empty:hidden juice:first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<p>The impact of these measures could benefit millions of people who face difficulties in obtaining insurance and financial products due to their medical history. If you would like to make an appointment with one of our specialist lawyers or one of our advisors, please do not hesitate to contact us.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What is it? This is the right not to have a history of having suffered from cancer considered in various situations of daily life, such as taking out life insurance or applying for a loan. Where does this initiative come from? In February 2022, the European Parliament approved a directive to step up the fight [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":316,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Right to oncological oblivion - Ignacio Pellicer<\/title>\n<meta name=\"description\" content=\"Step-by-step guide to cancel residency in Spain. 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