Financial peace of mind when it counts

Provide a safety net for your employees in the event of illness, work disability or death

Give your employees peace of mind today and certainty tomorrow

Many people in work are worried about how they are going to be able to continue paying for increasingly expensive health care and how they or their loved ones would be able to maintain their current standard of living if they were to suffer a setback. Give them financial peace of mind (e.g., in the event of hospitalisation, disability and/or death) and make your organisation more attractive to new employees in this war for talent.

Additional guarantees with a group insurance or pension fund

If, as an employer, you already build up a supplementary pension for your employees, you can offer additional guarantees in the same contract that provide financial peace of mind for your employees in case of disability or death. This can be done on the one hand as a supplement to a pension fund and on the other hand as a supplement to a group insurance policy.

Read all about our supplementary pension solutions.

Guaranteed income

By 2035, 600 000 Belgians are expected to be on long-term sick leave (source: Federal Planning Bureau, 2022). By offering guaranteed income cover, you help put a financial safety net in place for your employees, ensuring they receive a replacement income should they ever become incapacitated for work due to illness or personal accident. This insurance is a great way to supplement legally required industrial accident insurance, which covers your employees for accidents at work or when they are travelling to or from work.

Premium waiver

This cover ensures that your employees continue to accrue a second pillar pension and that death cover remains guaranteed during periods of work disability.
KBC pays the premiums during the period of work disability, depending on the degree and duration of the work disability.

Death

Should one of your employees die, their next of kin will be able to maintain the quality of life they had been used to before the death. Their dreams for the future remain intact and they won’t have to stress about having to pay unexpected bills and expenses.

Group hospitalisation insurance

Health care is becoming increasingly expensive and everyone runs the risk of being hospitalised at some time. Group hospitalisation insurance, which you can take out for your employees, is a benefit that they highly value. It is also a financial win-win situation for the employer and the employee. The cost to the employer is minor and exempt from social security contributions, making it cheaper than a pay rise. It is not a benefit in kind, which means that employees are not taxed on it.

Read all about our group hospitalisation insurance policy.