Were you involved in an accident during your commute to work? Or did you slip, fall or trip over at work? It can happen to anyone... What do you do then? We're happy to explain this to you. At KBC Brussels, we do our utmost to process your file as quickly as possible and to provide compensation for all insured costs promptly.
1. Report the accident to your employer
Please do this as soon as possible. Even if you are not immediately affected by the accident and you don't have to interrupt your work. In this way, you'll avoid discussions if you should experience problems at a later stage as a consequence of the accident.
2. Your employer informs KBC Brussels
Your employer sends us a completed work accident claim form together with your payslip and a medical certificate within eight days of the accident. Provide your employer with as detailed a description as possible of the accident.
3. Provide us with the necessary documents
We require the following documents:
• A medical certificate completed by the emergency doctor or your family doctor. You should provide this certificate to your employer as quickly as possible so that they can send it to us along with your report. Of course, you can always send it to us yourself.
• A copy of your last payslip (which you or your employer should send to us).
How should you send us these documents?
By post to:
KBC Brussels Insurance NV
attn Industrial Accidents Department
Professor Roger Van Overstraetenplein 2
3000 Leuven
If you already have a file number, be sure to include it on the envelope containing your documents or in the subject line of your e-mail.
You may e-mail any other documents to us at schade@kbc.be
Remember to include the file number and your first name and surname in the subject line of the e-mail.
4. KBC Brussels decides whether or not it acknowledges your accident as industrial accident
As soon as we have received all of the requested documents, we determine whether or not to acknowledge your accident as industrial accident and we inform you of this decision immediately.
5. KBC Brussels acknowledges your industrial accident. Now what?
We refund your medical expenses, so be sure to keep a record of them. Our detailed brochure for victims can be found here. Be sure to read it!
There are various possible situations:
KBC Brussels refunds the medical expenses resulting from your industrial accident such as:
• Consultations with the family doctor
• Purchase of medicines
• Travel expenses
You can use this form for your travel expenses. Send us the original documents of your expenses and the certificates of assistance provided by post to KBC Brussels Insurance NV, attn Industrial Accident Department, Professor Roger Van Overstraetenplein 2, 3000 Leuven.
We pay you compensation for temporary work disability.
You will receive a guaranteed salary from your employer for the first 30 days after your accident. When that period ends, KBC will take over payment.
We also provide compensation for the medical expenses arising from your industrial accident such as:
• Consultations with the family doctor
• Purchase of medicines
• Travel expenses
You can use this form for your travel expenses. Send us the original documents of your expenses and the certificates of assistance provided by post to KBC Brussels Insurance NV, attn Industrial Accident Department, Professor Roger Van Overstraetenplein 2, 3000 Leuven.
You will receive a guaranteed salary from your employer for the first 30 days after your accident. When that period ends, KBC Brussels will take over payment.
We invite you for an examination by the consulting physician who – as soon as it is possible – determines the degree of permanent disability. You receive monthly or annual compensation, the size of which depends on the degree of disability attributed to your injuries.
We also provide compensation for the medical expenses arising from your industrial accident such as:
• Consultations with the family doctor
• Purchase of medicines
• Travel expenses
You can use this form for your travel expenses. Send us the original documents of your expenses and the certificates of assistance provided by post to KBC Brussels Insurance NV, attn Industrial Accident Department, Professor Roger Van Overstraetenplein 2, 3000 Leuven.
6. KBC Brussels does not acknowledge your industrial accident
We inform Fedris, the Federal Agency for Occupational Risks, of our decision.
Don’t agree? Then you can bring your case before the industrial court.
7. KBC Brussels does not acknowledge your industrial accident at present
We examine your file but do not reimburse any expenses or fees paid at this stage. You should in the meantime submit the relevant invoices to your health insurance fund.
There are various possible situations:
We then pay you any compensation for work disability.
We also provide compensation for the medical expenses arising from your industrial accident such as:
• Consultations with the family doctor
• Purchase of medicines
• Travel expenses
You can use this form for your travel expenses. Send us the original documents of your expenses and the certificates of assistance provided by post to KBC Brussels Insurance NV, attn Industrial Accident Department, Professor Roger Van Overstraetenplein 2, 3000 Leuven.
We inform Fedris, the Federal Agency for Occupational Risks, of our decision.
Don’t agree? Then you can bring your case before the industrial court.
Any questions?
Contact your KBC Brussels Insurance intermediary or call on 016 23 33 65 for more assistance. We’re here for you.