What insurance do you need?
An accident can happen anywhere. Sometimes it’s minor and innocent, while at other times it can have far-reaching (financial) consequences, not just for the victim, but also for the person who caused the accident. What insurance do you need to avoid a financial headache? These three forms of insurance protect you against medical expenses and/or material costs following an accident.
Compare our insurances
These types of insurance cover you in case of an accident
| Family insurance | Personal accident insurance | Insurance for hospitalisation and serious illnesses | |
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Insured |
Material and medical expenses you cause to others | Your medical expenses and associated costs after an accident | Your medical expenses from up to two months before, during, and up to six months after hospitalisation |
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Work out online |
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Can be taken out |
Online, through your insurance agent or at your KBC branch | Online, through your insurance agent or at your KBC branch | Through your insurance agent or at your KBC branch |
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Worldwide cover |
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Claims can be reported |
In our apps, by phone or through your insurance agent | In our apps, by phone or through your insurance agent | In our apps, by phone or through your insurance agent |
| Work it out now | Work it out now | ||
| Learn more | Learn more | Learn more |
These types of insurance cover you in case of an accident
Insured
Work out online
Can be taken out
Worldwide cover
Claims can be reported
These types of insurance cover you in case of an accident |
|
|---|---|
| Family insurance |
|
| Personal accident insurance |
|
| Insurance for hospitalisation and serious illnesses |
|
Insured |
Learn more |
|---|---|
| Family insurance | Material and medical expenses you cause to others |
| Personal accident insurance | Your medical expenses and associated costs after an accident |
| Insurance for hospitalisation and serious illnesses | Your medical expenses from up to two months before, during, and up to six months after hospitalisation |
Work out online |
Learn more |
|---|---|
| Family insurance | |
| Personal accident insurance | |
| Insurance for hospitalisation and serious illnesses |
Can be taken out |
Learn more |
|---|---|
| Family insurance | Online, through your insurance agent or at your KBC branch |
| Personal accident insurance | Online, through your insurance agent or at your KBC branch |
| Insurance for hospitalisation and serious illnesses | Through your insurance agent or at your KBC branch |
Worldwide cover |
Learn more |
|---|---|
| Family insurance | |
| Personal accident insurance | |
| Insurance for hospitalisation and serious illnesses |
Claims can be reported |
Learn more |
|---|---|
| Family insurance | In our apps, by phone or through your insurance agent |
| Personal accident insurance | In our apps, by phone or through your insurance agent |
| Insurance for hospitalisation and serious illnesses | In our apps, by phone or through your insurance agent |
How is family insurance different from accident insurance?
While family insurance and accident insurance both help you limit the financial consequences of an accident, the insurance you need depends on the situation.
Family Insurance
Family insurance covers bodily injuries and material damage you or your family members cause to others outside your family.
For example: you cross a bike path and run into a cyclist causing them to fall and hurt their back. Since you are liable, you have to pay the doctor’s and physiotherapist’s fees and the bike repair costs. In this case, a family insurance pays all costs to the victim.
Accident insurance
Accident insurance covers your medical expenses and, if applicable, those of your family members after an accident.
For example: you’re cycling on a slippery road and fall and hurt your back. After visiting your GP, you go to a physiotherapist for further rehabilitation treatment. In this case, your accident insurance covers the portion of the costs not covered by your health insurance fund.
Accident and family insurance complement each other, and a combination of both ensures you are always protected against (often high) costs after an accident, whether you are the victim or the person who is liable.
How is accident insurance different from hospitalisation insurance?
While accident insurance and hospitalisation insurance both cover the cost of your hospitalisation following an accident, there are some differences between the two types of insurance.
The cases described below are not covered under hospitalisation insurance but are covered under accident insurance.
- You’re involved in an accident and instead of going to hospital, you visit your GP and, if applicable, a physiotherapist for rehabilitation treatment
- As a result of an accident, you incur long-term costs, for instance in case of permanent disability or incapacity for work
The case described below is not covered under accident insurance but is covered under hospitalisation insurance.
- You have not had an accident but are hospitalised for a medical condition, an illness or childbirth. We also cover medical expenses associated with your hospitalisation up to two months before and six months after your hospitalisation.
So, as you can see, accident insurance and hospitalisation insurance complement each other and each have their own benefits. If you’d like to discuss your best options for combining these types of insurance, feel free to get in touch with your KBC Insurance agent. They’ll be more than happy to work out insurance that suits your needs.
Check out your insurance cover
1. Family Insurance
Covered
- Loss, damage or injury caused to other individuals
We will compensate the person who suffered the loss, damage or injury. The policy also covers any loss, damage or injury caused by your animals to other individuals.
- Loss, damage or injury caused by the actions of another person
If you take out personal legal assistance insurance, we’ll help you get compensation from the liable party. If they are unable to pay, we’ll pay up to 12,500 euros in compensation. This figure is doubled in the case of bodily injuries.
Not covered
- Loss, damage or injury that you cause to yourself or family members
- Loss, damage or injury caused by misconduct on the part of a member of your family aged 18 or older (e.g., acts of violence, theft, vandalism)
- Loss, damage or injury caused intentionally by a member of your family aged 16 or older
- Loss, damage or injury caused by your riding horses or by animals that you, as a private individual residing in Belgium, are not allowed to keep
- Fines and out-of-court settlements
- Disputes in which you are involved as the owner or driver of a motor vehicle that is subject to compulsory motor insurance
Good to know
- This product is governed by the laws of Belgium.
- Insurance cover under this policy is valid for a term of one year and is tacitly renewed unless you terminate it no later than three months before the main renewal date.
- 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. If you cannot find a suitable solution, you can contact the Insurance Ombudsman Service: de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be.
This does not affect your legal rights.
Please go to www.kbc.be, use KBC Touch or KBC Mobile, or contact your Insurance Expert to get a premium calculation for your KBC Family Insurance.
KBC Family Insurance is a product of 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 authorised for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette, 14 July 1979) by the National Bank of Belgium, De Berlaimontlaan 14, 1000 Brussels, Belgium.
Member of the KBC group
Read this information carefully before taking out this insurance
2. Accident insurance
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 schoolgoing children
- While engaged in an unpaid hobby
- While travelling for non-professional purposes
- While travelling for personal reasons
- Accommodation for a family member who stays overnight with the victim in hospital
Compensation in the event of
- Permanent physical disability
- Death
Reimbursement of the 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, kite-flying, skiing, water skiing, snowboarding, skeleton and bobsleighing
- Caused by you intentionally or through gross negligence and where you're aged 16 or over. For example, if you’ve been using alcohol or drugs
The complete list of exclusions can be found in the general conditions.
Good to know
- This product is governed by the laws of Belgium
- Insurance cover under this policy is valid for a term of one year and is tacitly renewed unless you terminate it no later than three months before the main renewal date
- 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 (free of charge) or + 32 78 86 30 38 (charges apply), fax + 32 16 86 30 38. If you cannot find a suitable solution, you can contact the Belgian insurance industry's ombudsman service: de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be. This does not affect your legal rights.
To request a premium calculation for personal accident insurance, visit www.kbc.be, use KBC Touch or KBC Mobile, or contact your Insurance Expert.
KBC Accident Insurance is a product from 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
Read this information carefully before taking out this insurance
3. Hospitalisation insurance
Covered
The expenses covered are specified in the policy. This includes:
- Expenses you incur when you are hospitalised, such as consultations, fees and your stay
- Expenses for home birth (fixed amount of 625 euros) and suitable medical transport (up to 1 250 euros)
- Medical expenses connected with the complaint for which you were admitted, for a period of two months before and six months after hospitalisation
- Reimbursement of outpatient medical expenses (other than for hospitalisation) if you suffer from one of the 31 serious illnesses specified in the policy
Not covered
This includes:
- Consequences or complications of an existing illness, or an accident the insured person was involved in prior to joining the policy
- Attempted suicide or acts of violence perpetrated by the insured person
- In certain cases, a reimbursement ceiling applies
You can find a complete list of exclusions in the general conditions.
Good to know
- KBC Hospitalisation Insurance is governed by the laws of Belgium.
- Anyone up to the age of 70 can take out the insurance, on condition that their usual place of residence is in Belgium and they are registered under the Belgian social security system. Acceptance is dependent on medical acceptance.
- Term: the insurance provides lifelong cover. The policyholder has an annual right of cancellation.
- Your intermediary is your first point of contact for any complaints you may have. If no agreement can be reached, you can contact KBC Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94. If you cannot find a suitable solution through that channel, you can contact the Insurance Ombudsman – which serves the whole industry – by post at de Meeûssquare 35, 1000 Brussels, by e-mail at info@ombudsman.as, or through its website at www.ombudsman.as.
However, you always retain the right to initiate legal proceedings.
Contact an insurance expert or your insurance agent to request a quote for KBC Hospitalisation Insurance.
KBC Hospitalisation Insurance is a product of 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 authorised for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette, 14 July 1979) by the National Bank of Belgium, De Berlaimontlaan 14, 1000 Brussels, Belgium. Member of the KBC Group
