Protect yourself and your loved ones
See what steps you can take today and what to consider in order to avoid uncertainty both now and further down the line.
Ask yourself the following about your future situation:
Are you properly covered for healthcare costs?
Check whether your hospitalisation insurance is adequate now and in the future. If you’re covered through your employer, check whether that will continue when you retire. If not, you can start saving today through a KBC Hospitalisation Plan to keep future costs affordable.
Who’ll make decisions on your behalf if you’re no longer able to do so yourself?
A lasting power of attorney lets you appoint someone you trust to make decisions on your behalf if you can’t yourself. If you have elderly parents, lasting powers of attorney may be a good idea for them too. It’s advisable to draw up such a power of attorney in good time. You can stipulate that it takes effect only when you can no longer look after your own affairs.
How do you want everything arranged later?
1️⃣ Who gets what? Record in a will who gets what possessions and property or what sums of money.
2️⃣ What do you want to give now? Think about giving gifts during your lifetime and what that means in terms of inheritance tax.
3️⃣ What wishes do you want written down? Have important personal instructions recorded in a letter of wishes.
A will, gifts or a letter of wishes will ensure that your estate is carefully planned and misunderstandings avoided later. It gives peace of mind knowing that everything is properly arranged, both for yourself and for those you leave behind.
What about the financial implications should you die unexpectedly?
An unexpected death could leave your next of kin with a financial headache. Having insurance, however, takes away that worry as you’ll provide for your next of kin by making money available to them to pay for urgent expenses or other expenses further down the line.
Have assets of more than 250 000 euros (to invest)?
Find out more about inheritance planning at KBC Private Banking.
We’ll be happy to help you
If, after going through everything, you still have questions or would like to discuss something, we’re on hand to help. You can always ask Kate, your digital assistant in KBC Mobile, or schedule an appointment.
To go over a particular theme again, simply return to the overview page.
Important information about the KBC Hospitalisation Plan
- KBC Hospitalisation Plan is a guaranteed-interest life insurance product provided by 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 for all classes of insurance under code 0014 (Royal Decree of 4 July 1979). Member of the KBC group
- The investment risk is borne by KBC Insurance. The product is covered by the Belgian deposit-protection scheme for guaranteed-interest life insurance (up to 100 000 euros per policyholder in the event of default). It is governed by the laws of Belgium.
- Term: life-long (ends when the insured dies).
- Cancellability: full surrender/withdrawal ends the contract.
- Premium payment: periodic (at least 12.50 euros per month).
- Quote: available from your KBC Insurance intermediary.
- Before buying the product, read about the covered risks, non-covered risks and other matters in the product fact sheet for immediate activation, the product fact sheet for deferred activation, the key information, sustainability-related disclosures and periodic information (SFDR).
- Complaints: your intermediary is the first point of contact for any complaints you may have. KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, 016 43 25 94. If your complaint fails to be resolved, you can contact the Belgian insurance industry’s ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be. You reserve the right to take legal action.
