Your personal accident insurance

Insure against costs due to an accident that your health and hospitalisation insurance don't cover

Your personal accident insurance

Insure against costs due to an accident that your health and hospitalisation insurance don't cover

Get compensated fast

We'll reimburse you quickly for expenses you incur. Even if someone else is liable, you won't have to wait for your money.

Include all your kids for a single premium

We cover your children as well as a single package, so you don't need to insure them separately – no matter how many you have. We needn't even know their names.

Rest easy with worldwide cover

No matter what corner of the globe you're in, we've got you covered for accident costs.

Why go for personal accident insurance?

Accidents can happen anywhere: at home, on holiday, in your free time, at school or while driving. They often involve medical and other expenses that your health insurance and hospitalisation policy won't refund. KBC Accident Insurance does – up to five years after an accident. It also provides financial support for your loved ones if you become permanently disabled or die.

Personal accident insurance shields you, your children and your grandchildren against the financial consequences of an accident. It even covers your children's friends when they're over at your house to play. Motorcycling and extreme sports can also be insured. Motorcyclists are also covered as standard for personal injuries and financially protected if involved in road accidents. 

What types of cover are available?

1. Bodily injury insurance for private life

What's insured?

Personal accident insurance from KBC covers you, your children and your grandchildren against the financial consequences of an accident.

Your and your family's medical costs following accidents:

  • At home
  • Playing sports
  • Pursuing hobbies
  • At school
  • On the road
  • While travelling

You're also compensated for other accident-related expenses.

  • We'll pay your related medical expenses like special transport costs or accommodation charges for a family member who stays overnight with you in hospital.
  • You're also compensated for permanent disability.
  • You're entitled to extra financial benefits for serious permanent injuries if you need special care or to specially modify your home or vehicle.
  • Your loved ones are financially supported in the event of your death.

What's not insured?

Accidents:

  • Commuting
  • Participating in professional sports competitions and training
  • During skiing, bobsleigh, martial arts and motor sports competitions and training
  • Caused by you intentionally or through gross negligence (where you're aged 16 or over and have been using alcohol or drugs or similar)

Good to know

  • If you officially reside in Belgium, you're insured worldwide.
  • Mountaineering, deep-sea diving, speleology, parachute jumping, hang-gliding and motorcycling (50cc or over) can all be covered under your accident insurance policy for an additional premium.
  • If you choose to include your children, all of them living with you are automatically covered. Other people's children under 14 who come over to play with yours and are under your supervision in the absence of their parents are also insured.
  • The insurance remains in effect until the first renewal date following your 75th birthday.
  • We offer other policies for the self-employed and liberal professions. Ask your insurance agent for more details.

2. Bodily injury insurance - traffic

What's insured?

If you're personally involved in a road traffic accident other than at work and have personal accident insurance with us, we'll compensate you for the costs that your health and hospitalisation insurance won't.

Your and your family's medical costs following an accident while driving a motor vehicle of up to 3.5 tonnes not used for public or paid passenger transport (not including accidents involving motorcycles).

Pay an additional premium to insure yourself for other types of traffic accidents as well, including when you're a:

  • Pedestrian or cyclist on a public road
  • Vehicle passenger (like when you carpool)
  • Passenger in public transport (like when you take a train, tram, bus or taxi)

 

You're also compensated for other accident-related expenses.

  • We'll pay your related medical expenses like special transport costs or accommodation charges for a family member who stays overnight with you in hospital.
  • You're also compensated for permanent disability.
  • You're entitled to extra financial benefits for serious permanent injuries if you need special care or to specially modify your home or vehicle.
  • Your loved ones are financially supported in the event of your death.

What's not insured?

Accidents:

  • Commuting
  • Participating in professional sports competitions and training
  • Taking part in and training for speed races, time-speed distance (TSD) rallies and skills-based competitions
  • Caused by you intentionally or through gross negligence (where you're aged 16 or over and have been using alcohol or drugs or similar)
  • Riding a motorcycle or driving a motor vehicle weighing over 3.5 tonnes

Good to know

  • If you officially reside in Belgium, you're insured worldwide.
  • People whose occupation involves working on or with vehicles, driving or instructing learner drivers cannot take out this insurance.
  • Others who drive your vehicle are covered by your insurance for up to 5 000 euros (in which case a 50 euro deductible applies).
  • The insurance remains in effect until the first renewal date following your 75th birthday.

3. Bodily injury insurance for private life, excluding traffic

What's insured?

Accidents can occur at home, on holiday, at school, when playing sports, on the roads and elsewhere besides. With personal accident insurance from KBC, you never have to worry about the financial consequences.

Your and your family's medical costs following accidents:

  • At home
  • Playing sports
  • Pursuing hobbies
  • At school
  • While travelling

 

You're also compensated for other accident-related expenses.

  • We'll pay your related medical expenses for things like special transport or accommodation for a family member who stays overnight with the patient in hospital.
  • You're also compensated for permanent disability.
  • You're entitled to extra financial benefits for serious permanent injuries if you need special care or to specially modify your home or vehicle.
  • Your loved ones are financially supported in the event of your death.

What's not insured?

Accidents:

  • On the road
  • Commuting and at work
  • Participating in professional sports competitions and training
  • During skiing, bobsleigh, martial arts and motor sports competitions and training
  • Caused by you intentionally or through gross negligence (where you're aged 16 or over and have been using alcohol or drugs or similar)

Good to know

  • If you officially reside in Belgium, you're insured worldwide.
  • Mountaineering, deep-sea diving, speleology, parachute jumping, hang-gliding can all be covered additionally under accident insurance.
  • Insure just one of your children and all the rest are insured too. Other people's children under 14 who come over to play with yours and are under your supervision in the absence of their parents are also insured.
  • The insurance remains in effect until the first renewal date following your 75th birthday.
  • We offer other policies for the self-employed and liberal professions. Ask your insurance agent for more details.

4. Bodily injury insurance for grandchildren

What's insured?

This type of personal accident insurance covers medical expenses arising from accidents involving your grandchildren under the age of 14 while they're in your care.

You're insured for your grandchildren's visits to your home and taking them on:

  • Holidays in Belgium and abroad
  • Outings

You're also compensated for other expenses arising from accidents your grandchildren are involved in.

  • We'll pay related medical expenses for things like special transport or accommodation for a family member who stays overnight with the patient in hospital.
  • You're also covered if your grandchild becomes permanently disabled.
  • You're entitled to extra financial benefits where serious permanent injuries mean your grandchild needs special care or their parents need to modify their home or vehicle.
  • If your grandchild dies, their next of kin are financially supported.

What's not insured?

If your grandchild's parents are present, they're responsible for what happens to their child. They can comprehensively insure themselves and their children with our personal injury cover.

Good to know

  • You need to have KBC Family Insurance including personal third-party liability cover to take out our personal injury cover for your grandchildren.
  • That covers all your grandchildren younger than 14, wherever you are in the world with them (provided you're officially resident in Belgium).

More things you need to know

  • Belgian law applies to this product.
  • The insurance in this policy applies for a term of one year and tacitly renews unless you terminate it no later than three months before the principal renewal date.
  • Your intermediary is your first point of contact for complaints. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 0800 62 084 (free of charge) or + 32 78 15 20 45 (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: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman.aswww.ombudsman.as.

This does not affect your legal rights.

  • Contact your KBC insurance intermediary to get a quote for KBC Accident Insurance.
  • 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.

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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