Accident insurance
- Covers medical expenses for up to five years after your accident
- Provides more cover than your hospitalisation insurance and health insurance fund
- Same premium for one, two or more children
- No medical approval required
What is accident insurance?
An unfortunate accident can have major consequences. All it takes is a heavy fall from a ladder or a serious sports injury and you’re suddenly facing the prospect of a long rehabilitation, or worse still, long-term or permanent physical disability. That’s when accident insurance becomes your financial lifesaver, protecting you from (high) medical bills after your accident.
It helps you pay for major costs and investments
Some costs can quickly stack up, such as for:
- physiotherapy
- a first prosthesis
- modifications to your home
- ...
Your accident insurance will cover those costs, allowing you to recover without financial worries.
It goes further than your health insurance fund and hospitalisation insurance
Your accident insurance covers costs that are not or only partially reimbursed by your health insurance fund or hospitalisation insurance.
What’s more, it continues to support you financially for up to five years after your accident.
Accidents outside work are covered by your accident insurance
KBC Brussels's accident insurance has you covered should you suffer a personal accident, for instance, in your home or garden, or while playing sports or pursuing a hobby.
Covered
Expenses for
- Medical care following a personal accident, for example:
- While performing household chores
- While practising recreational sports
- At school (if you've also insured your school-going children)
- While engaging in an unpaid hobby
- While travelling for non-professional purposes
- While travelling for personal reasons
- Overnight accommodation in hospital for a family member of the victim
Compensation in the event of
- Permanent physical disability
- Death
Reimbursement of funeral expenses
Personal accident insurance is valid worldwide.
Not covered
Accidents
- Subject to the Belgian Workers’ Compensation Act or corresponding foreign legislation
- During competitions, matches and training sessions for full-contact martial arts such as boxing and kick-boxing, motorised sports, kiteboarding, kitesurfing, skiing, water skiing, snowboarding, skeleton bobsledding and bobsleighing
- Caused by you intentionally or through gross negligence (where you're aged 16 or over and have been using alcohol, drugs or similar substances)
The complete list of exclusions can be found in the general conditions.
What we reimburse as standard
- Medical care and related expenses such as suitable transport are insured up to 5,000 euros as standard. Your own deductible is 50 euros.
If you go for our VIP option, we double all sums insured but your deductible remains the same.
- If you suffer a degree of permanent physical disability of over 5%, you’ll receive compensation that could rise to 50,000 euros. In this regard, we take account of the degree of disability. For each commenced bracket of physical disability of 5%, you receive 2,500 euros.
- If your degree of disability is 50%, you receive 25,000 euros
- If it's 51%, you receive 27,500 euros
- A permanent physical disability of at least 67% is equivalent to full physical disability, in which case you receive 50,000 euros
- If you die within three years of the accident, your next of kin will receive financial support. We'll pay them a benefit of 5,000 euros. In addition, we will reimburse up to 5,000 euros for the funeral expenses. If an insured child dies, we only reimburse the funeral expenses.
Insuring your children
Additional accident insurance information
If any of the following situations apply to you, you should make an appointment to run a simulation for or to take out your accident insurance.
- You want to insure your partner's non-resident children
If you insure your children, all your and your cohabiting partner's children and future children will automatically be covered as long as they:
- still live with you
- don’t have any earned or replacement income
- are being supported by you or your cohabiting partner
If you're not living with your partner, only your own children are insured.
- You are an entrepreneur or the partner of an entrepreneur
As an entrepreneur or partner of an entrepreneur, you can run a simulation of your accident insurance in KBC Brussels Mobile or KBC Brussels Touch, but you cannot apply for it online.
- You are an entrepreneur and want to protect your income or turnover in the event of work disability
Guaranteed income ensures that you receive a benefit while you’re unfit for work. You can also cover your fixed costs, loans and turnover to ensure your business is financially protected during your absence.
Make an appointment - Our KBC Brussels Live experts are on hand to assist you when you call 078 353 137 (Monday to Friday from 8 a.m. to 10 p.m. and on Saturdays from 9 a.m. to 5 p.m.)
- You can find your insurance agent's contact details under ‘My KBC’ in KBC Brussels Mobile
- You can get in touch with a KBC Brussels branch near you
These three forms of insurance cover are particularly useful if you’re ever involved in an accident However, there are also important differences. Find out how and when you are covered by these policies.
Good to know
- This product is governed by the laws of Belgium.
- {{right of cancellation}}
- Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94, fax: + 32 16 86 30 38. If you cannot find a suitable solution, you can contact the Belgian insurance industry's ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be.
- This does not affect your legal rights.
Please go to www.kbcbrussels.be, use KBC Brussels Touch or KBC Brussels Mobile, or contact your Insurance Expert to get a premium calculation for personal accident insurance.
KBC Accident Insurance is a product provided by KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium.
VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB
Company licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979, Belgian Official Gazette of 14 July 1979).
Member of the KBC Group