The Massart (J Cancer Policy 15:70–71, 2018) testimonial illustrates the difficulties faced by patients having survived cancer to access mortgage insurance securing home loan. Data collected by national registries nevertheless suggest that excess mortality due to some types of cancer becomes moderate or even negligible after some waiting period. In relation to the insurance laws passed in France and more recently in Belgium creating a right to be forgotten for cancer survivors, the present study aims to determine the waiting period after which standard premium rates become applicable. Compared to the French and Belgian laws, a waiting period starting at diagnosis (as recorded in national databases) is favored over a waiting period starting at the end of the therapeutic treatment protocol. This aims to avoid disputes when a claim is filed. Since diagnosis is often recorded in the official registry database, as is the case for the Belgian Cancer Registry, its date is reliable and unquestionable in case of claim. Based on 28,994 melanoma and thyroid cancer cases recorded by the Belgian Cancer Registry, the length of the waiting period is assessed with the help of widely-accepted tools from biostatistics, including relative survival models and time-to-cure indicators. It turns out for instance that a waiting period of 4 years after diagnosis is enough for 30-year-old thyroid cancer patients. This appears to be similar to the 3-year period starting at the end of treatment protocol according to the Belgian law in such a case.

Massart（J Cancer Policy 15:70–71, 2018）的见证说明了癌症幸存的患者在获得抵押保险以确保住房贷款方面面临的困难。然而，国家登记处收集的数据表明，某些类型的癌症导致的超额死亡率在等待一段时间后变得中等甚至可以忽略不计。关于法国和最近在比利时通过的保险法为癌症幸存者创造了被遗忘的权利，本研究旨在确定标准保费率适用的等待期。与法国和比利时的法律相比，从诊断开始的等待期（如国家数据库中记录的那样）优于从治疗方案结束时开始的等待期。这旨在避免在提出索赔时发生争议。由于诊断通常记录在官方注册数据库中，就像比利时癌症登记处的情况一样，因此在索赔的情况下，其日期是可靠且不容置疑的。根据比利时癌症登记处记录的 28,994 例黑色素瘤和甲状腺癌病例，借助广泛接受的生物统计学工具（包括相对生存模型和治愈时间指标）评估等待期的长度。例如，事实证明，对于 30 岁的甲状腺癌患者来说，诊断后 4 年的等待期就足够了。在这种情况下，这似乎类似于根据比利时法律从治疗方案结束时开始的 3 年期。根据比利时癌症登记处记录的 28,994 例黑色素瘤和甲状腺癌病例，借助广泛接受的生物统计学工具（包括相对生存模型和治愈时间指标）评估等待期的长度。例如，事实证明，对于 30 岁的甲状腺癌患者来说，诊断后 4 年的等待期就足够了。在这种情况下，这似乎类似于根据比利时法律从治疗方案结束时开始的 3 年期。根据比利时癌症登记处记录的 28,994 例黑色素瘤和甲状腺癌病例，借助广泛接受的生物统计学工具（包括相对生存模型和治愈时间指标）评估等待期的长度。例如，事实证明，对于 30 岁的甲状腺癌患者来说，诊断后 4 年的等待期就足够了。在这种情况下，这似乎类似于根据比利时法律从治疗方案结束时开始的 3 年期。例如，事实证明，对于 30 岁的甲状腺癌患者来说，诊断后 4 年的等待期就足够了。在这种情况下，这似乎类似于根据比利时法律从治疗方案结束时开始的 3 年期。例如，事实证明，对于 30 岁的甲状腺癌患者来说，诊断后 4 年的等待期就足够了。在这种情况下，这似乎类似于根据比利时法律从治疗方案结束时开始的 3 年期。