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PC 1082

Para crear la "Ley del Derecho al Olvido Oncológico de Puerto Rico"; prohibir a las entidades aseguradoras y financieras solicitar información oncológica o imponer condiciones gravosas a sobrevivientes de cáncer que hayan superado la enfermedad hace tres (3) años sin recaída; declarar nulas las cláusulas que excluyan o discriminen a estos pacientes en contratos de seguros de vida, préstamos e hipotecas; establecer definiciones; fijar penalidades; y para otros fines relacionados.

2025-2028 Session

Puerto Rico prohibits insurers and lenders from requesting cancer history or discriminating against survivors disease-free for 3+ years, nullifying exclusionary clauses.

Reunión Ejecutiva: Oficina de la Comisión
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Bill Summary · PC 1082

Legislative bill overview

Bill PC 1082 creates Puerto Rico's "Law of the Right to be Forgotten in Oncology," prohibiting insurance companies and financial institutions from requesting cancer history or imposing burdensome conditions on cancer survivors who have been disease-free for three years. The law nullifies contract clauses that discriminate against these survivors in life insurance, loans, and mortgages.

Why is this important

Cancer survivors often face "genetic discrimination" in financial markets, where insurers and lenders use past oncology status to deny services or charge higher rates, even after successful treatment. This bill addresses a documented barrier to economic opportunity and quality of life for a substantial population, while aligning Puerto Rico with similar protections enacted in several European countries and some U.S. states.

Potential points of contention

  • Insurance industry impact: Insurers argue cancer history provides legitimate risk assessment data; removing it may increase premiums for non-survivors or reduce insurers' ability to accurately price products
  • Three-year threshold debate: Critics question whether three years disease-free is sufficient medical evidence of cure, or if longer periods are needed for different cancer types
  • Enforcement and scope: Unclear how penalties will be enforced against entities operating across jurisdictions, and whether the law applies only to Puerto Rico-based insurers or all entities serving the territory

Compiled from official sources — confirm details with the bill’s official record.

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