Guaranteed Pay (Employees)


Guaranteed Pay (Employees)


What is guaranteed pay?

Fortunately, most accidents at work do not automatically result in serious permanent injury. A healthy employee usually gets back to work after a few days or weeks. However, during the first 30 days of your employee's inability to work because of an accident at work, they will be entitled to guaranteed pay.

You will pay this to the employee yourself. The insurance company providing the industrial accident cover will not reimburse you the full amount during the first month, so you must pay part of the wage yourself.


Who is insured?

The employer.

What is insured?

We will pay back the difference between the total wage you, the employer, are required to pay the employee in question and the compensation you receive from the insurance company providing the industrial accident cover.

We will also cover the employer social security contributions you owe for the insured guaranteed pay period as the employer.

What you need to know

  • This cover applies only to cases subject to Belgian industrial accident legislation.
  • You can take out this insurance for your blue-collar workers, white-collar workers or both.
  • Even for employees earning less than the statutory wage ceiling, part of the wage is still borne by the employer until 30 days after the accident.
  • The Insurance for Guaranteed Pay after an Accident at Work is an accident insurance policy that is part of the KBC Commercial Employee Insurance Cover.
  • This product is governed by the laws of Belgium.
  • The policy is valid for one year or three years. The policy is tacitly renewed on the renewal date for successive terms of the same duration as the initial agreed term, unless it is cancelled at least three months before the principal renewal date.
  • Your intermediary is your first point of contact for any complaints you may have. If no agreement can be reached, you can contact KBCComplaints Management, Brusselsesteenweg 100, 3000 Leuven,, tel. 0800 62 084 (free number) or 078 15 20 45 (pay number), fax 016 86 30 38. If this does not result in an appropriate solution, you can contact the Insurance Ombudsman for the entire industry at de Meeûsplantsoen/Square de Meeûs 35, 1000 Brussels,,
    You always retain the right to initiate legal proceedings.
  • For a quote, please contact your KBC insurance intermediary.
  • KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium.
    VAT No. BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB
    Company licensed for all classes of insurance under code 0014 (Royal Decree of 4 July 1979, Belgian Official Gazette of 14 July 1979) by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium.
    Member of the KBC Group

For a concise description of the cover, the main exclusions and other useful information, please refer to the product fact sheet.

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