If you are a doctor, dentist, pharmacist, physiotherapist, speech therapist, or self-employed nurse who has signed up to the national agreements of the National Institute for Health and Disability Insurance (NIHDI), you are entitled to an annual allowance from them. You can use this allowance to take out social pension savings insurance, such as the KBC Life Pension Plan – NIHDI.
Why choose a KBC Life Pension Plan – NIHDI?
If you are an independent medical practitioner and are using your NIHDI allowance to take out a KBC Life Pension Plan – NIHDI, you will receive a sound protection plan tailored to your needs. This allows you to build up supplementary pension with guaranteed return and, thanks to the various types of solidarity cover, you will also receive additional protection in the event of work disability, disability and maternity leave.
Good to know
KBC Brussels will transfer your contract details to the NIHDI through a secure server, so that your NIHDI allowance is automatically credited to your policy. You don’t need to do a thing. It couldn’t be easier!
Protected by four types of solidarity cover
KBC Insurance uses 90% of your premium for pension accrual and any supplementary death cover. The remaining 10% goes to four solidarity benefits that provide extra protection:
- Funding of your supplementary pension should you become unfit for work due to an illness or accident
- Funding of your supplementary pension should you become physically disabled due to an illness or accident
- Funding of your supplementary pension and additional compensation in the event of maternity leave
- Compensation for loss of income in the form of an annuity should you become physically disabled following an illness or accident
Good to know
The additional cover under the KBC Life Pension Plan – NIHDI is a nice bonus, but the benefits are relatively limited. Solid guaranteed income insurance therefore remains an absolute must for anyone who is self-employed.
Secure: guaranteed income
Each time you make a deposit, you will receive a guaranteed interest of 0.50%. If the interest rate changes, that only affects deposits as of that date.
Sign up to the solidarity system without medical formalities
The supplementary cover is offered on the basis of solidarity between insured persons.This means you can sign up to the solidarity system without a medical questionnaire or examination.
Product features of the KBC Life Pension Plan – NIHDI
|Legal form||Guaranteed-rate life insurance (Class 21)|
|Term||Up to the statutory retirement age or in the event of the premature death of the insured.|
|Costs, charges and fees||5% entry charges on each deposit. No administration charges or premium tax.|
|Deposits||The solidarity contribution is 10% of each deposit in a social pension agreement. The remaining 90% goes towards building up a pension.|
Can the NIHDI insurance policy be combined with other life insurance policies?
Yes, you can join a social VSPSS or an individual pension savings scheme or take out individual life insurance in addition to the KBC Life Pension Plan – NIHDI. You can also combine the NIHDI policy with a group insurance policy or anIPS, provided you take into account the 80% rule.
According to the 80% rule, the premiums for the supplementary pension may only be deducted if the statutory and the supplementary pension (expressed as an annuity) do not amount together to more than 80% of your final normal gross annual salary, taking account of a normal career.