Coronavirus: frequently asked questions

Coronavirus: frequently asked questions

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Need to make an appointment?

Due to coronavirus (Covid-19), you can currently only make appointments by phone. Feel free to contact one of our experts at KBC Live or a branch in your area.

We're planning phone and video chat appointments as much as possible. However, should you exceptionally need to come to your branch or agency in person, we’ll make sure that your visit takes place under the safest possible conditions.

Have questions or concerns about the coronavirus outbreak affecting your financial situation? E-mail us at corona@kbc.be or call us on 02 448 02 44 for more help.

See the Belgian federal public health authorities website for more general information on the coronavirus.

Accessibility

Will my branch remain open and will I still be able to contact my insurance agent? And when are they be open for business?

Our branches and agencies have been open to customers by appointment only since Wednesday 18 March 2020. Feel free to call your KBC branch on their general number.

You insurance agent can also be contacted by phone. Their number can be found on the website (under 'Find us near you'), in KBC Mobile under 'Your contacts' and in KBC Touch under 'Contact'.

Can I contact KBC Live and, if so, when?

Contact our KBC Live experts using our KBC Mobile app or call them on 078 353 137 (weekdays 8 a.m. to 10 p.m. – Saturdays 9 a.m. to 5 p.m.).

Payments

How can I safely receive payments to my business during the coronavirus crisis?

According to the federal health authorities (FPS Public Health), paying by cash does not transmit the virus. However, paying by electronic means is encouraged as it allows you to respect social distancing rules.

Loans

What type of financial aid can I get for my business?

You can find an up-to-date overview of measures to support your business on the website of Flanders Innovation and Entrepreneurship (VLAIO):

> See more

How can I apply for additional funding with a government guarantee as a result of the coronavirus crisis?

Insurance

Liabilities

Are healthcare providers insured when they have to work outside their normal discipline?

Do you have KBC Medical and Paramedical Professions Insurance?

The exceptional circumstances mean that, in such cases, healthcare providers* are insured when working outside their discipline to treat patients with COVID-19. That includes remote consultations by Skype, phone or similar.

Important:
If you have insurance in your own name, you have to claim under that. If you don’t have your own insurance and work for a medical institution, you can claim under their insurance.

* By ‘healthcare provider’ we mean doctors, medical students and (student) nurses.

I’m reopening my business and temporarily extending the outdoor part of my premises. Am I insured for that?

Businesses open to the public with indoor and outdoor premises totalling over 50 square meters are legally required to have insurance for their premises. Contact your insurance agent for more details.
What if a customer has an accident on your terrace? If you already have third-party liability insurance for your business with KBC Insurance, we will temporarily insure your customers even if they have an accident on your terrace, without any additional premiums to pay.

Health

Are my hospitalisation expenses covered if I’m admitted to a hospital abroad?

Cover for hospitalisation abroad depends on the general conditions of your policy. Under the current conditions, (a limited part of) the cost is covered. Even if you have travelled to a high-risk area against Foreign Office advice, we’ll still help pay for hospitalisation due to a coronavirus infection as specified in the general conditions.

I'm in quarantine because of the coronavirus crisis. Am I covered by my guaranteed income insurance?

You will only receive a benefit if you've been infected with coronavirus and can provide the necessary certificates that prove it. You won't get any benefits in the event of economic loss or preventive quarantine.

Does my guaranteed income insurance provide cover for coronavirus infection?

Yes, you receive a benefit if you become infected with the virus and the deferment period has ended.

Important: be sure to provide us with the necessary certificates attesting to your illness. You won't receive a benefit, therefore, if you go into preventive quarantine.

Does my hospitalisation insurance cover infection by coronavirus?

Yes, you are always covered if admitted to a hospital in Belgium. If you're hospitalised abroad, you are also have (limited) cover. In such cases, be sure to check the general conditions of your insurance policy.

Does my hospitalisation insurance cover admittance to hospital in a foreign country after becoming infected with coronavirus?

Yes, it provides you with (limited) cover. Be sure to check the general conditions of your insurance policy.

I travel against the advice of the Foreign Office to a high-risk area and become infected with coronavirus there. Does my hospitalisation insurance cover hospital admittance in a foreign country?

Yes, it provides you with (limited) cover. Be sure to check the general conditions of your insurance policy.

Travelling

My flight has been cancelled by the airline. What am I entitled to?

These costs are not covered by our cancellation insurance policies. You should contact the travel agency, tour operator or airline to request a refund or change or postpone your trip.

The European regulations impose specific obligations on airlines based in the European Union. You will find more information about your rights when an airline cancels your flight on the website of the Federal Public Service (‘FOD’ – available in Dutch and French).
 

Can I still travel abroad?

We advise you to follow the government's guidelines in this regard.

I have to cancel a trip. Can I claim for compensation under my cancellation insurance policy?

We have provided extensive information on travel insurance on a frequently asked questions page:

> See more

I have to cancel my trip due to the coronavirus. Does my travel cancellation insurance cover this?

Travel cancellation insurance covers you in some cases if you have to cancel your trip. We recommend contacting your travel agency, tour operator or transport operator to discuss your options.

Covered reasons for trip cancellation do not include:

  • Coronavirus outbreak in another country that you’re planning to travel to from Belgium
  • Travel warning like a general travel ban issued by the Belgian authorities
  • Ban on entering the country you’re going to due to the coronavirus

What if I organised the trip myself?

Contact the various service providers (like the airline and hotel involved) to check the options open to you.

Your accommodation costs will be subject to the hotel’s general conditions. Some hotels have very lenient cancellation policies, allowing you to cancel your reservation free of charge up to the last minute, while others will charge you for the first night if you don’t show up.

If you got an early booking discount, you’ll generally not be able to cancel.

Like to know more about our travel cancellation insurance?

> Learn more

Other questions

I'm self-employed. How does deferring payment of social security contributions or being exempted from paying them affect tax relief on the premiums I pay for my supplementary pension plan (VSPSS)?

Deferred payment of social security contributions in 2021
If as a result of Covid-19 you have:

  • obtained and complied with a repayment schedule for the payment of your social security contributions for 2020, which had previously been deferred until 2021
  • deferred the payment of your social security contributions for the first and second quarters of 2021 (i.e. your usual quarterly contributions and regularised amounts) until 2022 and you are not due to pay until 2022, your 2021 VSPSS premium is also tax-deductible.

Deferred payment of social security contributions in 2020
If as a result of Covid-19 you have:

  • deferred the payment of your social security contributions for one or more quarters of 2020 (i.e. your usual quarterly contributions and regularised amounts) until 2021 and you are not due to pay until 2021, your 2020 VSPSS premium is also tax-deductible.

VSPSS premiums you pay this year continue to doubly benefit you, as you pay less tax and less social security contributions. Remember that every year in which you don’t pay into your supplementary pension plan is a year lost that can’t be made up for later.

So, it’s advisable to pay into your plan this year to keep building up additional pension benefits for retirement.

Exempted from paying social security contributions
If as a result of Covid-19 you are exempted from paying social security contributions for one or more quarters of 2020 and/or 2021, then your VSPSS premiums won't be tax-deductible that year.

General questions

How do I avoid the spread of Covid-19 at work?

Belgium’s federal employment authorities, employers’ organisations and trade unions have assembled a useful guide to preventing the spread of Covid-19 at work (available in Dutch or French).

It contains tips for reopening your business safely, including general guidelines for avoiding the spread of Covid-19 in the workplace.

> Learn more (in Dutch)

Can’t find what you’re looking for?

Send your question to corona@kbc.be. We will then help you to the very best of our ability.

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