Travel insurance — Belgium

[1] Medical expenses: Covered ↩

Reimbursement of medical, surgical and pharmaceutical costs incurred abroad due to unexpected illness or accident. The policy covers unlimited medical costs (net of social security reimbursements). A EUR 25 deductible per insured per claim applies. For the Standard tier, coverage is up to EUR 125,000; for VIP or annual policy, it is unlimited.

De maatschappij vergoedt de volgende kosten bij ziekte of ongeval van onverwachte aard en zonder gekende antecedenten in het buitenland:

[2] Medical transport: Covered ↩

Local transport costs (ambulance if medically required) to the nearest doctor or hospital are covered. Touring organises and covers repatriation transport by ambulance, train, helicopter, scheduled flight, charter or hospital aircraft as determined by Touring's doctor. Transport of insured companions is also included. Unlimited repatriation coverage.

[3] COVID-19 treatment: Excluded ↩

The policy explicitly excludes events related to epidemics, pandemics, quarantine and lockdown among its general exclusions. However, the insured retains coverage for up to 14 days if surprised by such events during a trip already underway. COVID-19 is not a specifically covered peril.

[4] Personal liability: €125,000 ↩

Covers the insured worldwide up to EUR 125,000 against civil liability consequences for bodily injury and/or material damage caused to third parties during the insured trip. Material damage caused by fire, explosion, smoke or water to temporary accommodation premises is also covered, after exhaustion of existing home/family insurance. Deductible: EUR 125 per claim per insured.

De maatschappij waarborgt de verzekerde personen over de ganse wereld tot beloop van de verzekerde bedragen tegen de geldelijke gevolgen van de burgerlijke aansprakelijkheid, die hem zouden kunnen worden opgelegd krachtens de artikelen 1382 tot 1386 bis en volgende van het Belgisch Burgerlijk Wetboek...

[5] Emergency dental: €500 ↩

Emergency dental costs due to accident are reimbursed up to EUR 500; urgent dental care due to an acute crisis is covered up to EUR 250 per insured per claim. Prostheses are not covered. No repatriation is granted for dental reasons alone.

de dringende tandheelkundige kosten tot maximum € 250; de tandheelkundige kosten ten gevolge van een ongeval tot maximum € 500.

[6] Search & rescue: €5,000 – €12,500 ↩

The company reimburses search and rescue costs incurred by official emergency services abroad, following consultation with and agreement of the company, to secure the life or physical integrity of the insured in the event of an accident or disappearance.

De maatschappij vergoedt de door de officiële hulpdiensten gemaakte opsporings- en reddingskosten in het buitenland, na overleg met en akkoord van de maatschappij, om het leven of de lichamelijke integriteit van de verzekerde veilig te stellen bij een ongeval of verdwijning.

[7] Legal assistance: €1,250 ↩

If the insured is prosecuted abroad following a traffic accident, the insurer covers attorney fees up to EUR 1,250 (AV 2022) or EUR 2,500 per file (01/07/2023 T&Cs). Criminal bail is advanced up to EUR 12,500 (AV 2022) or EUR 25,000 (01/07/2023 T&Cs). Legal consequences in the country of residence are not covered.

[8] Emergency medical treatment: €1,000,000 ↩

Touring intervenes up to EUR 1,000,000 per insured for the entire coverage period for surgical and hospitalisation costs, emergency dental care (up to EUR 250 per claim), terminal or serious chronic illnesses (first manifestation only), and related costs. Deductible: EUR 25 per insured per claim.

[9] Hospitalization: €1,000,000 ↩

Surgical and hospitalisation costs are covered up to EUR 1,000,000 per insured per coverage period (Editie 01/07/2023 T&Cs). Additionally, a daily hospitalisation compensation of EUR 50 per night (up to EUR 600) is paid if hospitalisation lasts at least 3 nights. Deductible EUR 25 per claim per insured.

[10] Outpatient treatment: €1,000,000 ↩

Outpatient medical costs (without hospitalisation) are covered within the overall medical expenses limit of EUR 1,000,000 per insured. For ambulatory costs above EUR 250 per insured, a medical report must be submitted to Touring's advisory physician. Deductible EUR 25 per claim.

[11] Medical evacuation: Covered ↩

When hospitalised abroad due to accident or serious illness and medical repatriation is justified by Touring's doctor, Touring organises and funds evacuation from the foreign hospitalisation site to the insured's residence or a nearby hospital. Touring reserves the right to choose mode and timing within 72 hours of hospital discharge.

[12] Repatriation of remains: €1,500 ↩

Touring organises and funds the repatriation of mortal remains from the foreign hospital or funeral parlour to the family-designated location in the country of residence, including embalming costs and administrative formalities abroad. Coffin costs are covered up to EUR 785 (Editie 01/07/2023 T&Cs) or EUR 1,500 (AV 2022) per insured. If buried or cremated abroad, up to EUR 1,500 is covered for coffin/urn, local transport, cremation/burial, urn repatriation, and one return ticket for a 2nd-degree family member.

[13] Pre existing conditions: Conditional ↩

Pre-existing conditions are generally excluded. However, they are covered if: (1) there is medical evidence that an external cause produced a sudden change in the illness picture, (2) there is no causal link between the pre-existing condition and the claim, or (3) for cancellation: the treating physician confirms no contraindication to travel at the time of booking and contract conclusion. For the 01/07/2023 T&Cs, a pre-existing illness is covered if it is stable at departure (no change in treatment, no hospitalisation, no worsening, and no medical contraindication confirmed by a doctor's report).

[14] Winter sports cover: Covered ↩

Cross-country skiing, alpine skiing and snowboarding on designated pistes are always covered. Off-piste skiing and snowrafting are covered if organised and supervised by a professional recognised organisation. Ski pass and lessons refund up to EUR 250 (AV 2022) or EUR 200 per insured per stay (01/07/2023 T&Cs) if unable to ski due to illness or accident. Broken ski/snowboard covered up to EUR 250 per insured. Mountain search and rescue covered up to EUR 5,000 for all insureds (01/07/2023 T&Cs). Bobsleigh, ski jumping, combat sports and hunting remain excluded at all times.

[15] Adventure sports cover: Conditional ↩

When organised and supervised by a professional recognised organisation, the following are covered: deep-sea diving with autonomous breathing apparatus up to 18 metres, alpinism, canyoning, speleology, bungee jumping, white water and sea rafting, hydrospeed, off-road driving (4x4, enduro, quad), motorcycling >50cc, mountain biking, hot air ballooning, ULM, hang-gliding, parachuting, paragliding and gliding. Always excluded: sports practised professionally, for remuneration or in competition; bobsleigh, ski jumping, combat sports and hunting.

[16] Pregnancy complications: Conditional ↩

Pregnancy is not considered an illness. Complications or problems during pregnancy up to week 28 may be covered for travel assistance purposes if arising unexpectedly. From 28 weeks of pregnancy, the policy explicitly excludes related events. For cancellation, serious unexpected complications during pregnancy are a covered event. Voluntary termination of pregnancy is excluded.

hebbende als oorzaak de gevallen of stoornissen van zwangerschap en haar verwikkelingen of die hieraan gelijkaardig zijn vanaf 28 weken;

[17] Medical expenses: €250,000 – €1,250,000 ↩

Medical and hospitalisation costs abroad (incl. prescribed medicines) are paid up to €250,000/person/claim under Horizon temporary, €750,000 under Horizon annual, and €1,250,000 under Premium, after use of any third-party payer. A €80/claim deductible applies except for urgent dental care.

Betaling medische kosten in het buitenland tot 250.000 € (formule Horizon tijdelijk) – 750.000 € (formule Horizon jaarlijks) – 1.250.000 € (formule Premium).

[18] Medical transport: Covered ↩

Per the Premium formula's Bijstand Personen terms, local medical transport abroad (ambulance, snow-sled, or helicopter on a doctor's prescription for a local route) is organised and paid for by AXA within the overall medical-expenses limit; no separate monetary cap is stated. This specific transport line was not confirmed for the Horizon formulas in the sources reviewed.

vervoerkosten (ziekenwagen, ziekenslee, helikopter op voorschrift van een arts voor een plaatselijk traject).

[19] COVID-19 treatment: €6,500 ↩

A sudden pandemic outbreak while already abroad is covered under the normal medical-expenses limits. Where the claim follows a pandemic declared by the WHO and Belgian, destination-country or EU authorities had, on the departure date, only strongly advised (not banned) against travel, cover is limited to a combined maximum of €6,500 for medical costs, repatriation, assistance to insured under 18, and provision of a driver. Claims arising where authorities had formally banned travel to the destination are excluded.

In geval van schagevallen ten gevolge van een pandemie door een besmettelijke ziekte afgekondigd door de WHO (Wereldgezondheidsorganisatie), dekken wij tot max. € 6500 de volgende kosten: medische kosten, repatriëring, hulp aan verzekerden jonger dan 18 jaar en ter beschikkingstelling van een chauffeur

[20] Personal liability: See details ↩

Personal liability is not covered.

[21] Emergency dental: €150 ↩

Urgent dental care abroad is reimbursed up to €150/person (Premium formula, per Bijstand Personen terms); it is explicitly exempted from the general €80 medical-expenses deductible under all formulas. No separate cap distinct from this is stated for the Horizon temporary/annual formulas in the sources reviewed.

dringende tandverzorging, tot 150 EUR per persoon

[22] Search & rescue: €6,250 – €10,000 ↩

Search and rescue costs abroad are covered up to €6,250 per insured person under Horizon formulas, and up to €10,000 per insured person under the Premium formula.

Opsporings- en reddingskosten in het buitenland tot 6.250 € per verzekerde persoon ( formule Premium: max. 10.000 €)

[23] Legal assistance: €12,500 ↩

If the insured faces criminal prosecution abroad (Premium formula), AXA advances the criminal bail up to €12,500 per person per claim (to be reimbursed shortly after release by the authorities, and at the latest 3 months after advance) and the fees of a lawyer chosen by the insured up to €1,250 per prosecuted person (reimbursable within 30 days). The IPID confirms this benefit exists across formulas but does not restate the amounts for Horizon tiers.

de strafrechtelijke borgtocht tot een bedrag van 12.500 EUR per persoon en per schadegeval; de borgtocht moet ons worden terugbetaald meteen na teruggave door de overheid en uiterlijk 3 maanden nadat hij was voorgeschoten het honorarium van de advocaat die door de verzekerde werd gekozen om zijn belangen in het buitenland te verdedigen met een maximum van 1.250 EUR per vervolgde persoon

[24] Emergency medical treatment: €250,000 – €1,250,000 ↩

Emergency medical treatment abroad (incl. ambulance/snow-sled/local helicopter transport prescribed by a doctor) is covered within the same medical-expenses limit: €250,000 (Horizon temporary), €750,000 (Horizon annual), €1,250,000 (Premium), subject to the €80 deductible (waived for urgent dental care).

Betaling medische kosten in het buitenland tot 250.000 € (formule Horizon tijdelijk) – 750.000 € (formule Horizon jaarlijks) – 1.250.000 € (formule Premium).

[25] Hospitalization: €250,000 – €1,250,000 ↩

Hospitalisation costs abroad are included within the overall medical-expenses limit (€250,000 Horizon temporary / €750,000 Horizon annual / €1,250,000 Premium). In the Premium formula, follow-up medical costs incurred in Belgium after a hospitalisation abroad are additionally covered up to €10,000/person/claim, for a maximum of 1 year from the date of admission.

Betaling medische kosten in het buitenland tot 250.000 € (formule Horizon tijdelijk) – 750.000 € (formule Horizon jaarlijks) – 1.250.000 € (formule Premium).

[26] Outpatient treatment: €250,000 – €1,250,000 ↩

Outpatient medical costs abroad are covered within the same overall medical-expenses limit as hospitalisation: €250,000 (Horizon temporary), €750,000 (Horizon annual), €1,250,000 (Premium), subject to the €80 deductible per claim (waived for urgent dental care).

Betaling medische kosten in het buitenland tot 250.000 € (formule Horizon tijdelijk) – 750.000 € (formule Horizon jaarlijks) – 1.250.000 € (formule Premium).

[27] Medical evacuation: Covered ↩

AXA organises and pays for the repatriation of the insured (if needed under medical supervision) to a hospital near home or to their home in Belgium, subject to approval of AXA's medical service. Repatriation is organised and paid by AXA with no stated cap.

Repatriëring van de verzekerde en van de andere verzekerden als zij niet naar België kunnen terugkeren met de aanvankelijk voorziene middelen

[28] Repatriation of remains: €750 ↩

In case of death abroad, AXA (Premium formula) takes charge of body care and coffin costs up to €750, and pays for repatriation of the remains to the place of burial in Belgium or, alternatively, funeral costs in the country of death up to €750. Repatriation itself is organised and paid without an additional stated cap.

de kist, tot een bedrag van 750 EUR de repatriëring van het stoffelijk overschot naar de plaats van teraardebestelling in België of de begrafeniskosten in het land van overlijden tot een bedrag van 750 EUR.

[29] Pre existing conditions: Excluded ↩

Per the Premium formula's Bijstand Personen terms, chronic illnesses that have caused disorders of the nervous, respiratory, circulatory, blood or kidney systems are excluded, as are diagnosed conditions not yet healed and still under treatment at departure that carry a real risk of rapid deterioration. An illness avoidable by a (non-mandatory) vaccination the insured chose not to have is also excluded, except in the context of the Covid-19 pandemic. The equivalent exclusion list for the Horizon formulas' assistance terms was not among the documents reviewed.

chronische ziekten die storingen in het zenuwstelsel, ademhalingsstelsel, de bloedsomloop, het bloed of de nieren veroorzaakt hebben

[30] Winter sports cover: Conditional ↩

Under the Horizon temporary formula, claims resulting from snow or ice sports activities are only covered if the insured declared practising this activity when taking out the contract. No such declaration restriction is stated for the Horizon annual or Premium formulas in the sources reviewed.

Wintersport: in de formule Horizon tijdelijk, wordt onze tussenkomst voor schadegevallen als gevolg van een sneeuw- of ijssportactiviteit alleen verworven als u bij het afsluiten van het contract verklaart dat u deze activiteit beoefent.

[31] Adventure sports cover: Conditional ↩

Damage from gliding, skydiving, paragliding, hang-gliding or ULM is covered only if the insured is physically accompanied in the same craft by an instructor whose qualification is recognised by the relevant federation. Wingsuit flying, base jumping, bungee jumping, ski-jumping, skeleton and bobsleigh are always excluded, regardless of supervision.

de schade als gevolg van het beoefenen van de volgende sporten zonder begeleiding van een monitor: zweefvliegen, parachutisme, paraglide, deltaplane, ULM de schade ten gevolge van het beoefenen van volgende sporten: wingsuit, base jumping, elastiek- of benjispringen, skispringen op een skischans, skeleton en bobslee

[32] Pregnancy complications: Conditional ↩

Per the Premium formula's Bijstand Personen terms, consequences abroad of a pregnancy beyond the 26th week are excluded, unless the insured suffers an unforeseeable complication while abroad; voluntary termination of pregnancy for non-therapeutic reasons is excluded. Where covered, complications fall within the general medical-expenses limit. The equivalent condition for the Horizon formulas' assistance terms was not among the documents reviewed.

de gevolgen in het buitenland van zwangerschap na de 26ste week tenzij de verzekerde in het buitenland een onvoorzienbare complicatie heeft

[33] Medical expenses: €100,000 ↩

Emergency medical expenses are covered up to €100,000 per insured person under the Essential plan, optionally upgradable to €250,000.

Medische kosten bij noodgevallen: Dekking Essential, maximumbedrag Tot € 100.000

[34] Medical transport: Covered ↩

Transport to the nearest suitable hospital is covered when deemed necessary by a recognized doctor, within the overall medical expense limit.

En alle kosten om u naar het dichtstbijzijnde geschikte ziekenhuis te vervoeren.

[35] COVID-19 treatment: Conditional ↩

No assistance or reimbursement is provided for COVID-19 related costs if the insured travels against official government travel advisories; otherwise general medical cover may apply.

Als u besmet raakt met Covid 19, zullen wij u op geen enkele manier tussenkomen

[36] Personal liability: €10,000 ↩

Covers unintentional bodily injury and property damage caused to third parties during the trip, up to €10,000.

Onopzettelijk lichamelijk letsel en verlies van of schade aan eigendommen Tot € 10.000

[37] Emergency dental: €150 ↩

Covers emergency dental treatment for immediate pain relief up to €150.

Dringende tandheelkundige kosten € 150

[38] Legal assistance: Not established from the reviewed documents ↩

No dedicated legal assistance/defense benefit is described in the reviewed documents.

[39] Emergency medical treatment: €100,000 ↩

Covers doctor fees, hospital costs, treatment and prescribed medication in a medical emergency up to the €100,000 overall medical cap.

DIT IS GEEN PARTICULIERE MEDISCHE VERZEKERING

[40] Hospitalization: €100,000 ↩

Hospital costs during a medical emergency are included within the overall €100,000 medical expenses limit.

Ziekenhuiskosten,

[41] Outpatient treatment: €100,000 ↩

Doctor consultation fees during travel are included within the overall medical expenses limit.

Kosten voor een arts

[42] Medical evacuation: Covered ↩

AXA organizes and pays for repatriation to the insured's country of habitual residence when medically necessary, with no separate stated cap.

Tijdens uw reis buiten uw Land van de gewone woon- en verblijfplaats zorgen wij voor uw repatriëring

[43] Repatriation of remains: €750 ↩

Covers post-mortem treatment, coffin costs and repatriation of remains up to €750.

De kist, tot de limiet vermeld in de Uitkeringstabel;

[44] Pre existing conditions: Excluded ↩

Claims directly or indirectly arising from a pre-existing medical condition are excluded.

Vorderingen die direct of indirect voortvloeien uit een bestaande medische aandoening.

[45] Pregnancy complications: Conditional ↩

Unforeseen pregnancy complications are covered under the medical expenses limit, but pregnancy after week 28 and voluntary termination are excluded.

Zwangerschap na de 28e week en vrijwillige beëindiging van de zwangerschap;

[46] Personal accident death disability: €10,000 ↩

Pays compensation for permanent disability or death resulting from an accident during the trip, up to €10,000.

Blijvende invaliditeit & overlijden Tot € 10.000

[47] Daily hospitalization allowance: €500 ↩

Pays €50 per day of hospitalization abroad, up to a maximum of €500, for incidental costs.

Dekking hospitalisatie € 50/dag, max € 500

[48] Trip extension accommodation: €750 ↩

Covers necessary accommodation and travel costs at €75/night up to €750 if the insured must extend their stay for medical reasons.

Verlengd verblijf – Verzekerde € 75/nacht, max € 750

[49] Visa refusal cancellation: Covered ↩

If the visa is refused and the insured cannot travel, the full premium is refunded upon proof of the official refusal.

in het geval dat u geen visumgoedkeuring kunt verkrijgen en bijgevolg niet in staat bent

[50] Medical expenses: Covered ↩

Medical and hospitalization costs incurred abroad due to illness or accident are reimbursed after deduction of the mutual health fund's intervention, only for the portion exceeding EUR 20. If the insured is not affiliated with a Belgian mutual health fund (or is not in good standing), cover is capped at EUR 1,250 for all medical costs. Dental care is capped at EUR 250 and kinesitherapy at EUR 125 per insured person per claim. The Boost option extends cover in Belgium after repatriation up to EUR 7,000.

Si vous n'êtes pas affilié à une mutuelle en Belgique ou à une autre assurance-maladie équivalente ou que vous ne vous êtes pas conformé aux règlements de la mutuelle ou de l'assurance-maladie, par exemple si vous n'avez pas payé votre cotisation, notre intervention pour tous les frais médicaux reste limitée à un montant maximum de 1.250 EUR.

[51] Medical transport: Covered ↩

Local transport abroad to the nearest doctor or hospital for first aid is covered, as well as organisation of transport in connection with treatment and repatriation.

e) le transport local à l'étranger, vers le médecin le plus proche ou vers l'hôpital le plus proche pour recevoir les premiers soins

[52] COVID-19 treatment: See details ↩

The telemedical advice service lets insured persons ask the insurer's medical team about a possible infection, including COVID-19; the general conditions do not set out any other specific COVID-19 treatment cover or exclusion.

Vous pouvez contacter notre équipe médicale pour toute question relative à : a) une éventuelle infection (dont covid-19)

[53] Personal liability: Excluded ↩

Belfius' travel assistance product (Belfius Assistance / Personenbijstand, both the Basis and Boost formulas, as well as the optional Bagageverzekering) does not include personal civil liability (burgerlijke aansprakelijkheid) cover while abroad. The official product page and IPID list the covered guarantees (medical costs, repatriation, extended stay, search & rescue costs up to €7,500/person, luggage, legal assistance vs. travel agency up to €1,250, etc.) but personal liability abroad is not among them; third-party independent comparison confirms 'Burgerlijke aansprakelijkheid in het buitenland' is marked as not covered for all three Belfius travel packages.

⚖️ Burgerlijke aansprakelijkheid in het buitenland Niet gedekt Niet gedekt Niet gedekt

[54] Emergency dental: €250 ↩

Dental care costs abroad are reimbursed up to EUR 250 per insured person per claim, as part of the medical expenses guarantee.

c) les frais de soins dentaires à concurrence de maximum 250 EUR par personne assurée et par sinistre

[55] Search & rescue: €7,500 ↩

In the event of a situation endangering the insured's safety or physical integrity, the operating costs of an official search and rescue service are covered up to EUR 7,500 per insured person per claim. At sea, reimbursement of official search and rescue costs applies only within territorial waters.

En cas de situation pouvant mettre en péril votre sécurité ou intégrité physique, nous prenons en charge à concurrence de maximum 7.500 EUR par personne assurée et par sinistre, les frais de fonctionnement d'un service de secours et de recherche officiel. En mer, le remboursement des frais de secours et de recherche officiels n'est d'application que dans les eaux territoriales.

[56] Legal assistance: Covered ↩

If the insured faces legal proceedings abroad following an unintentional offence, the insurer advances the criminal bail required by the authorities up to EUR 12,500 per prosecuted insured (repayable within 30 days) and covers lawyer's fees abroad up to EUR 1,250. Separately, the insurer defends the insured's rights against the travel organiser/agency, covering costs and lawyer's fees up to EUR 1,250.

le montant de la caution pénale exigée par les autorités, à concurrence de maximum 12.500 EUR par assuré poursuivi - les honoraires d'un avocat de votre choix à l'étranger, à concurrence de maximum 1.250 EUR.

[57] Emergency medical treatment: Covered ↩

Local transport abroad to the nearest doctor or hospital to receive first aid, and ambulance costs prescribed by a doctor for a local trip, are covered as part of the medical expenses guarantee.

e) le transport local à l'étranger, vers le médecin le plus proche ou vers l'hôpital le plus proche pour recevoir les premiers soins f) les frais d'ambulance ordonnée par un médecin pour un trajet local.

[58] Hospitalization: Covered ↩

Hospitalization costs abroad are covered under the medical expenses guarantee, subject to the EUR 20 deductible per claim and the EUR 1,250 cap if not affiliated with a Belgian mutual fund. The insurer can advance hospitalization costs if necessary; the insured must notify hospitalization the same day or within 48 hours at the latest. Cover ceases once repatriation can take place if the insured refuses or postpones it.

En cas d'hospitalisation, l'assuré doit nous en aviser le jour même ou au plus tard dans les 48 heures. La prise en charge des frais d'hospitalisation cesse quand le rapatriement peut avoir lieu et si l'assuré refuse ou s'il fait reporter une proposition de le rapatrier.

[59] Outpatient treatment: Covered ↩

Outpatient medical costs abroad are covered under the general medical expenses guarantee. Prior agreement of the assistance centre is required for reimbursement, except for outpatient medical costs below EUR 250.

Toute assistance, tout débours ou toute prestation ne donne droit à une indemnisation que si la centrale d'assistance a été prévenue de la procédure d'assistance et a marqué son accord, sauf pour les frais médicaux ambulatoires inférieurs à 250 EUR.

[60] Medical evacuation: Covered ↩

When the insured's health condition abroad, following an illness or accident, requires transport or repatriation, the insurer organises and covers transport to the home or to the nearest or best-equipped hospital, by sanitary plane, economy-class plane, ambulance or any other appropriate means, under medical supervision if required. The decision on repatriation and the mode of transport belongs exclusively to the insurer's medical service.

Le rapatriement se fait sous surveillance médicale si votre état de santé le requiert. Le transport ou le rapatriement se fait par avion sanitaire, par avion en classe économique, par ambulance ou par tout autre moyen de transport approprié. La décision du rapatriement, du mode de transport et de l'hôpital appartient exclusivement à notre service médical, en accord avec le médecin traitant sur place, en ne prenant en considération que votre état de santé.

[61] Repatriation of remains: Covered ↩

If the heirs of an insured person who died abroad choose repatriation of the body to Belgium, the insurer organises and covers repatriation of the remains to the chosen place of burial in Belgium (including customs costs) with no stated maximum; post-mortem treatment and coffining in Belgium are covered up to EUR 750 per deceased insured. If burial or cremation takes place abroad instead, post-mortem treatment, coffining, local transport and burial/cremation costs are covered up to EUR 750 per deceased insured. Funeral ceremony costs and urn repatriation are not covered.

le rapatriement de la dépouille mortelle du lieu du décès au lieu d'inhumation au choix en Belgique. Les frais de douane sont également pris en charge - le traitement post-mortem et de mise en bière, cercueil compris, en Belgique, à concurrence de maximum 750 EUR par défunt assuré.

[62] Pre existing conditions: Excluded ↩

Known pathological conditions existing before departure that are still being treated and present a real danger of rapid worsening, or that have not been stable for at least two months before the trip, are excluded, as are relapses or worsening of an existing pathological condition.

les états pathologiques connus avant le départ, en phase de traitement et comportant un réel danger d'aggravation rapide ou non encore consolidés depuis au moins deux mois avant le voyage ou séjour à l'étranger - les rechutes ou aggravations d'une maladie ou d'un état pathologique constitué

[63] Winter sports cover: Conditional ↩

In the event of bodily injury on ski slopes, transport to the nearest hospital and official search costs (up to EUR 7,500, not cumulative with the general search and rescue guarantee) are reimbursed. Accidents off the marked ski slopes are covered only if the insured was guided by an instructor from an approved organisation. Unused ski-pass or ski/diving lesson costs following a physical incapacity confirmed by a local doctor are reimbursed pro rata, up to EUR 250 per insured person.

En cas d'accident corporel sur les pistes de ski, nous remboursons : - les frais de transport de l'assuré du lieu de l'accident vers l'établissement hospitalier le plus proche - les frais de recherche effectués par des organismes officiels de secours à concurrence de maximum 7.500 EUR.

[64] Adventure sports cover: Excluded ↩

Accidents and events caused by the following activities are excluded from cover: hang-gliding, paragliding, bobsleigh, parachuting, bungee jumping, mountaineering, rallying, rafting, canyoning, ultralight aircraft, jet-skiing and speleology.

Les accidents et évènements causés par les activités suivantes : deltaplane, parapente, bobsleigh, parachutisme, benji, alpinisme, rallye, rafting, canyoning, ULM, jet-ski, spéléologie.

[65] Pregnancy complications: Excluded ↩

Delivery costs are excluded, as are costs resulting from a pregnancy of more than 28 weeks for air travel, unless written authorisation has been given by the (treating) gynaecologist and confirmed by the airline's doctor.

les frais résultants d'une grossesse de plus de 28 semaines pour les voyages en avion, à l'exception de ceux pour lesquels une autorisation écrite a été donnée par le gynécologue (traitant) et confirmée par le médecin de la compagnie aérienne concernée.

[66] Medical expenses: Unlimited ↩

Touring intervenes without monetary limit for surgical and hospitalization costs abroad, after exhaustion of the benefits the insured is entitled to from social security for the same risks. If the insured is not in good standing with their mutual health insurer, the intervention is capped at €1,250 per claim and per insured for medical, surgical, pharmaceutical and hospitalization costs.

Touring intervient de manière illimitée dans les prestations définies ci-après, après épuisement des indemnités auxquelles l'assuré peut prétendre pour les mêmes risques auprès de la Sécurité sociale

[67] Medical transport: €500 ↩

The cost of the insured's first transport to hospital is fully covered by Touring. Other transport costs (including hospital visits by other insureds) are covered up to €500 per insured and per claim.

Les autres frais de transport (y compris les visites éventuelles à l'hôpital des autres assurés) sont pris en charge à concurrence de maximum €500 par assuré et par sinistre;

[68] COVID-19 treatment: See details ↩

COVID-19 is not separately covered; the general exclusion applies to any event occurring in a country affected by a global health crisis (epidemic or pandemic) for which an official negative travel advisory has been published.

Tout évènement qui se produit dans un pays en guerre, en guerre civile, placé sous loi martiale, touché par des problèmes de santé au niveau mondial (y compris épidémies et pandémies) ou subissant des actes de terrorisme

[69] Personal liability: See details ↩

Personal liability is not covered by Touring Traveller Full/Family Full.

[70] Emergency dental: €250 ↩

Urgent dental care by a qualified dentist following an accident or acute crisis abroad is covered up to €250 per insured; dental prostheses are not covered and no repatriation is organized on this basis alone.

Les coûts des soins dentaires urgents dispensés par un dentiste qualifié à la suite d'un accident ou d'une crise aiguë, jusqu'à concurrence de € 250 par assuré (les prothèses ne sont pas couvertes). Dans ce cas, Touring ne prévoit pas de rapatriement;

[71] Search & rescue: €5,000 – €15,000 ↩

Touring intervient, à concurrence de maximum € 15.000 par sinistre et pour l'ensemble des assurés, pour les frais de recherche et les frais de sauvetage, facturés par des organismes officiels de secours.

[72] Legal assistance: €2,500 ↩

If prosecuted abroad following a road accident, Touring advances the criminal bail up to €25,000 per case and lawyer's fees up to €2,500 per case; a separate advance of lawyer's fees up to €2,500 applies for third-party claims arising from skiing.

Dans ce cas, Touring intervient également pour les honoraires d'avocat à concurrence de maximum € 2.500 par dossier.

[73] Emergency medical treatment: Unlimited ↩

Emergency medical and surgical treatment following an illness or accident abroad is covered without limit, after exhaustion of home social security benefits for the same risk.

Touring intervient de manière illimitée dans les prestations définies ci-après, après épuisement des indemnités auxquelles l'assuré peut prétendre pour les mêmes risques auprès de la Sécurité sociale

[74] Hospitalization: Unlimited ↩

Hospitalization costs abroad are covered without a monetary cap. Follow-up hospitalization in Belgium after an unplanned medical event abroad is separately capped at €6,000 per insured, for up to 3 months after the discharge date abroad.

En cas d'hospitalisation en Belgique liée à une opération médicale non planifiée ou un accident à l'étranger, Touring intervient dans les frais médicaux, chirurgicaux et hospitaliers en Belgique, à concurrence de € 6.000 au maximum par assuré.

[75] Outpatient treatment: Unlimited ↩

Outpatient treatment abroad is covered without a monetary cap as part of the unlimited medical expenses guarantee. Note: follow-up ambulatory medical and pharmaceutical costs incurred in Belgium after an accident/illness abroad are capped at €745 per insured (massage, kinesitherapy and physiotherapy sub-capped at €125), valid for 1 year after the event.

En cas de frais médicaux ambulatoires à la suite d'une opération médicale ou un accident à l'étranger, Touring intervient jusqu'à concurrence de maximum € 745 par assuré (les frais de massage, de kinésithérapie et de physiothérapie sont limités à maximum € 125 par assuré).

[76] Medical evacuation: Unlimited ↩

In case of hospitalization abroad due to illness or accident, Touring organizes and takes charge of the medically appropriate transport (ambulance, train, helicopter, scheduled or charter flight, or air ambulance) to the insured's home or a nearby hospital, without a stated monetary cap on the transport itself.

Touring organise son transport par ambulance, train, hélicoptère, avion de ligne, avion charter ou avion sanitaire ou tout autre moyen décidé par le médecin de Touring en fonction de son état médical.

[77] Repatriation of remains: €1,500 ↩

In case of death abroad, Touring organizes repatriation of the body to Belgium; coffin costs are capped at €785 per insured. If the deceased is instead buried or cremated locally, Touring intervenes up to €1,500 total for coffin/urn, embalming, local transport, urn repatriation, a return ticket for one family member, and administrative formalities abroad; funeral, cremation and ceremony costs themselves are not covered.

Les frais de cercueil sont pris en charge à concurrence de maximum € 785 par assuré. ... Si l'assuré décédé à l'étranger est inhumé ou incinéré sur place, Touring intervient à concurrence de € 1.500 maximum dans les prestations définies ci-après

[78] Pre existing conditions: Conditional ↩

A pre-existing condition is covered under the unlimited medical guarantee only if it was medically certified as stable (no change in treatment, no hospitalization/aggravation, no medical contra-indication to travel) at the time of booking the trip and/or taking out the contract. Relapses or aggravations of a condition already known before departure are excluded unless the condition was stable on the day of departure.

Une maladie est considérée comme stable lorsqu'il n'y a pas de changement dans le traitement (para)médical de cette maladie, lorsqu'il n'y a pas eu d'hospitalisation ou d'aggravation et lorsque selon le médecin traitant il n'y a pas de contre-indication médicale pour voyager.

[79] Winter sports cover: Covered ↩

Ski accident medical costs abroad are covered under the unlimited medical guarantee; follow-up ambulatory/hospitalization costs in Belgium follow the general €745/€6,000 caps. Unused ski pass/lessons of more than 5 consecutive days are reimbursed up to €200 per insured; equipment rental after breakage or theft of skis/boots/poles up to €100 per insured each; lawyer's fees advanced up to €2,500 for third-party claims arising from skiing. Off-piste skiing is only covered if accompanied by an accredited instructor.

Touring intervient à concurrence de maximum € 200 par assuré, pour le skipass et les cours de ski de plus de 5 jours consécutifs qui n'ont pu être utilisés

[80] Adventure sports cover: Excluded ↩

Aerial sports, motorsports, bobsleigh, mountaineering/climbing off marked trails, kitesurfing, scuba diving, canyoning, bungee jumping, caving, combat sports, big-game hunting, speedriding, downhill, car-surfing, and any sport practised in competition or speed events are excluded, as are variants of these activities.

Les sports aériens, les sports motorisés, le bobsleigh, l'alpinisme, l'escalade, le ski hors-piste (sauf si l'assuré est accompagné d'un moniteur de ski agréé)... le kitesurf, la plongée sous-marine, le canyoning, le saut à l'élastique, la spéléologie, les sports de combat

[81] Pregnancy complications: Conditional ↩

Serious complications during pregnancy may be assimilated to an accident and are covered on that basis; however, pregnancies beyond 28 weeks, childbirth and its consequences are excluded, except for serious complications, and voluntary termination of pregnancy is also excluded.

Les grossesses de plus de 28 semaines (dans un souci de bien-être de la mère et de l'enfant à naître), les accouchements et leurs conséquences, à l'exception des complications graves; Les interruptions volontaires de grossesse;

[82] Medical expenses: €500,000 – €1,000,000 ↩

Medical treatment, hospitalization and necessary transport costs abroad are reimbursed up to 500,000 EUR per insured person under the Standard formula; under the VIP formula this ceiling is doubled to 1,000,000 EUR per the fiche's VIP doubling rule. A personal contribution of 100 EUR applies and is not doubled under VIP.

Les frais précités sont indemnisés jusqu'à concurrence de 500 000 EUR par personne.

[83] Medical transport: Covered ↩

Transport costs necessary to receive medical treatment abroad are covered within the overall medical expenses ceiling; no separate cap is stated.

Si vous tombez malade ou êtes blessé à l'étranger, nous payons les frais de vos soins médicaux, les frais d'hospitalisation et les frais de transport nécessaires pour vous faire soigner.

[84] COVID-19 treatment: See details ↩

The policy documents do not specifically mention Covid-19 treatment.

[85] Personal liability: See details ↩

Personal liability cover is not addressed within the Assistance Personnes (travel medical) module of this policy.

[86] Emergency dental: €250 – €500 ↩

Minor dental surgery costs and costs for orthopedic prostheses/appliances are covered up to 250 EUR per person under the Standard formula, doubled to 500 EUR under VIP (per the fiche's doubling rule), within the overall medical expenses ceiling.

250 EUR pour les frais de petite chirurgie dentaire et pour les frais de prothèses et/ou d'appareils orthopédiques.

[87] Search & rescue: €5,000 – €10,000 ↩

Search costs if the insured is lost/missing and rescue operation costs in case of immediate danger are covered up to 5,000 EUR under Standard, doubled to 10,000 EUR under VIP; abroad this amount is included within the overall medical expenses ceiling.

5 000 EUR pour les frais de recherche si vous vous êtes égaré ou avez disparu ;

[88] Legal assistance: See details ↩

Legal assistance during travel is offered as a separate, distinct module ('Assurance litiges dans le cadre de voyages') of the overall Police vacances CBC product and is not part of the Assistance Personnes (travel medical) module.

[89] Emergency medical treatment: €500,000 – €1,000,000 ↩

Emergency medical care abroad is covered within the overall medical expenses ceiling of 500,000 EUR (1,000,000 EUR under VIP) per insured person.

Si vous tombez malade ou êtes blessé à l'étranger, nous payons les frais de vos soins médicaux, les frais d'hospitalisation et les frais de transport nécessaires pour vous faire soigner.

[90] Hospitalization: Covered ↩

Hospitalization costs incurred abroad due to illness or accident are covered within the overall 500,000 EUR (1,000,000 EUR VIP) medical expenses ceiling; no separate sub-limit is stated.

Si vous tombez malade ou êtes blessé à l'étranger, nous payons les frais de vos soins médicaux, les frais d'hospitalisation et les frais de transport nécessaires pour vous faire soigner.

[91] Outpatient treatment: Covered ↩

Outpatient medical care abroad is covered as part of the general medical costs within the overall 500,000 EUR (1,000,000 EUR VIP) ceiling; no separate sub-limit is stated.

Si vous tombez malade ou êtes blessé à l'étranger, nous payons les frais de vos soins médicaux, les frais d'hospitalisation et les frais de transport nécessaires pour vous faire soigner.

[92] Medical evacuation: Covered ↩

CBC organizes and takes charge of repatriation to Belgium when the insured's health condition requires it; timing, manner and destination are determined based on the health condition in consultation with treating physicians. No fixed indemnity ceiling is stated for this service.

Nous nous occupons de votre rapatriement vers la Belgique si votre état de santé l'exige. Le moment, la manière et la destination sont exclusivement déterminés en fonction de votre état de santé et en concertation avec les médecins traitants.

[93] Repatriation of remains: Covered ↩

In case of death abroad, CBC organizes repatriation of the remains to the cemetery or home in Belgium; the transport itself carries no stated cap. Post-mortem treatment and coffin costs are covered up to 1,500 EUR under Standard (3,000 EUR under VIP, per the fiche's doubling rule). If the funeral takes place abroad, funeral costs are reimbursed up to the amount that would have been payable for repatriation of the remains.

Nous prenons également en charge les frais du traitement "post-mortem" et du cercueil jusqu'à 1 500 EUR.

[94] Pre existing conditions: Conditional ↩

Complications or worsening of an existing illness are covered only if the insured has followed the prescribed medical treatment for that condition; if the prescribed treatment was not followed, related complications or worsening are excluded.

pour les complications ou aggravations d'une maladie existante, si vous n'avez pas suivi le traitement prescrit ;

[95] Winter sports cover: See details ↩

The policy does not specifically address ordinary winter sports cover; only extreme variants such as heli-skiing are explicitly excluded as extreme outdoor activities.

[96] Adventure sports cover: Excluded ↩

Participation in extreme outdoor activities carried out in extreme conditions or with a degree of difficulty posing a mortal risk (e.g. base jumping, heli-skiing, wreck diving) is excluded, as is paid or lucrative sports practice, including training.

de la participation à des activités de plein air extrêmes, c'est-à-dire d'activités de plein air dont le caractère extrême ou le degré de difficulté les rend potentiellement mortelles,

[97] Pregnancy complications: Conditional ↩

Pregnancy complications are covered up to the sixth month of pregnancy; complications occurring after the sixth month and delivery costs are excluded from cover.

en cas de complications de la grossesse après le sixième mois, pas plus que pour les frais d'accouchement ;

[98] Medical expenses: Covered ↩

Medically justified treatment costs (care, medicines, hospitalization, first prosthesis, functional prostheses, cosmetic surgery) following a covered accident or illness abroad are reimbursed up to the amount agreed in the special conditions, after a 25 EUR deductible; for insured persons aged 70 or older at the first medical consultation the agreed amount is halved.

Voor de verzekerden die bij het eerste medische consult 70 jaar of ouder zijn, wordt het overeengekomen bedrag tot de helft gereduceerd. Art. 11 - De vergoeding wordt uitgekeerd na aftrek van een franchise van 25 EUR.

[99] Medical transport: €10,000 ↩

Medically required transport of the injured/ill insured person, including transfer between hospitals, plus the return travel of accompanying insured family members, is covered. This is one of several benefits sharing a single 10,000 EUR aggregate cap for all insured persons combined (Art. 13 'Extra kosten').

De medisch vereiste vervoer- en repatriëringskosten van het slachtoffer evenals de kosten voor de terugkeer van de verzekerde gezinsleden die dientengevolge eveneens gerepatrieerd worden.

[100] Personal liability: See details ↩

No personal (civil) liability guarantee is described in the reviewed travel medical/accident policy documents.

[101] Emergency dental: 10% of insured sum ↩

The first dental prosthesis is reimbursed up to 10% of the insured amount per tooth; contact lenses and eyeglasses are explicitly excluded.

de eerste prothese (de eerste tandprothese wordt vergoed ten belope van 10% van het verzekerde bedrag per tand) ; • functionele prothesen, uitgezonderd brillen en lenzen

[102] Search & rescue: €2,000 ↩

Search and rescue costs if the insured gets lost or disappears are covered up to 2,000 EUR per person; this is a sub-limit within the shared overall 10,000 EUR 'extra kosten' aggregate cap for all insured persons combined.

De opsporings- en reddingskosten ten belope van 2.000 EUR per persoon.

[103] Legal assistance: See details ↩

No general legal assistance (rechtsbijstand) guarantee is described for the medical/accident cover; a separate criminal bail-bond guarantee exists under a different module of the policy (see product-specific constraints).

[104] Emergency medical treatment: Covered ↩

Immediate medically justified treatment costs abroad following a covered accident or illness are covered as part of the medical expenses guarantee, up to the agreed amount, after a 25 EUR deductible.

De waarborg wordt uitgebreid tot de medisch verantwoorde behandelingskosten bij ziekten opgelopen tijdens de reis of het verblijf in het buitenland.

[105] Hospitalization: Covered ↩

Hospital admission costs following a covered accident or illness abroad are included among the reimbursable medically justified treatment costs, up to the agreed amount.

Onder deze kosten verstaan wij de medisch verantwoorde kosten voor : • de verzorging ; • geneesmiddelen ; • de opname in een ziekenhuis ;

[106] Outpatient treatment: Covered ↩

Outpatient care and medicine costs following a covered accident or illness abroad are included among the reimbursable medically justified treatment costs, up to the agreed amount.

Onder deze kosten verstaan wij de medisch verantwoorde kosten voor : • de verzorging ; • geneesmiddelen ;

[107] Medical evacuation: €10,000 ↩

The mode of transport for repatriating a sick or injured insured person is determined by the treating physician based on medical necessity. This benefit shares the same 10,000 EUR aggregate cap (for all insured persons combined) as the other 'extra kosten' benefits (transport, accommodation, replacement driver, search & rescue, etc.).

Het vervoermiddel wordt door de arts bepaald op basis van het medische belang van het slachtoffer.

[108] Repatriation of remains: €10,000 ↩

Transport and repatriation costs of the mortal remains to a funeral home in Belgium, plus the return of accompanying insured family members, are covered within the shared 10,000 EUR aggregate cap for all insured persons combined; if burial takes place abroad, an additional lump sum of 325 EUR is paid for the return trip of a Belgium-resident relative attending the funeral.

De vervoer- en repatriëringskosten van het stoffelijk overschot tot aan de begrafenisonderneming in België evenals de kosten voor de terugkeer van de verzekerden die dientengevolge eveneens gerepatrieerd worden. Indien de begrafenis ter plaatse in het buitenland plaatsheeft, betalen wij ten belope van 325 EUR de heen- en terugreis van een in België verblijvende nabestaande die de begrafenis wenst bij te wonen.

[109] Pre existing conditions: Excluded ↩

Coverage for illness does not apply if the illness already existed before the outward journey; likewise, aggravation of the consequences of an accident due to pre-existing injuries or illnesses is excluded unless the insured proves there is no causal link.

De dekking geldt niet als de ziekte reeds bestond voor de heenreis.

[110] Winter sports cover: Optional ↩

Snow skiing is on the list of dangerous sports excluded by default (except snow-hiking/skiwandelen in Belgium, which remains covered); it can only be insured if expressly stated in the special conditions and an additional premium is paid. Off-piste skiing and ski jumping remain excluded in all cases.

waterski, zweefvliegen en sneeuwski behalve skiwandelen in België.

[111] Adventure sports cover: Optional ↩

Dangerous sports such as mountaineering, bobsleigh, canyoning, hang-gliding, deep-sea diving, combat sports, parasailing, rappelling, skeleton, speedsailing, caving, steeplechase, parachuting, water-skiing and gliding, as well as profit-generating sport, are excluded by default and can only be insured if expressly stated in the special conditions with an additional premium; decompression sickness from deep-sea diving remains excluded in all cases.

winstgevende sportbeoefening evenals de volgende gevaarlijke sportactiviteiten : het gebruik van zeil- en motorboten op meer dan 3 zeemijl van de kust, alpinisme, bobslee, canyoning, deltavliegen, diepzeeduiken, gevechtsporten, parasailing, rappel, skeleton, speedsail, speleologie, steeple-chase, valschermspringen, waterski, zweefvliegen en sneeuwski behalve skiwandelen in België.

[112] Pregnancy complications: Excluded ↩

Normal or premature delivery, miscarriage, and all pregnancy care are excluded from the accident/illness medical guarantee.

normale of voortijdige bevalling, miskraam en alle zwangerschapsverzorging;

[113] Medical expenses: €500,000 ↩

Reimbursement of pharmaceutical, surgical and hospitalisation costs incurred abroad due to accident or illness, up to €500,000 per insured person and per event.

Terugbetaling van de in een ziekenhuis gemaakte farmaceutische, heelkundige en verpleegkosten tot 500 000,00 euro, taksen inbegrepen, per verzekerde en per gebeurtenis.

[114] Medical transport: Covered ↩

Organisation and cost of transport of the sick or injured insured person (by train, ambulance, hire vehicle, scheduled or air-ambulance flight) to a hospital or better-equipped facility, under medical supervision if required. No stated monetary cap; transport must be pre-approved by Ethias.

Indien de geneesheren de repatriëring van de zieke of gewonde verzekerde of zijn overbrenging naar een beter uitgerust ziekenhuis aanbevelen, bekostigt Ethias het vervoer, indien nodig onder medisch toezicht.

[115] COVID-19 treatment: Not established from the reviewed documents ↩

The policy does not address COVID-19 treatment cover specifically; it only extends the 90-day trip cover to 120 days if a WHO-declared pandemic causes border closures on day 90.

Als, naar aanleiding van een door de WGO (Wereldgezondheidsorganisatie) tot pandemie verklaarde infectieziekte, de grenzen van België of van het land waar u verblijft, op de 90ste dag gesloten zijn, wordt onze dekking met 30 dagen verlengd.

[116] Personal liability: Not applicable to this product ↩

Personal liability is not part of this policy.

[117] Emergency dental: €125 ↩

Reimbursement of dental care costs abroad up to €125 per insured person and per event.

Terugbetaling van de kosten voor tandverzorging tot 125,00 euro, taksen inbegrepen per verzekerde en per gebeurtenis.

[118] Search & rescue: €6,250 ↩

In the event of an accident or disappearance abroad, Ethias covers search and rescue costs up to €6,250.

Bij ongeval of verdwijning in het buitenland, neemt Ethias de opzoekings- en reddingskosten ten laste, tot beloop van 6 250,00 euro, taksen inbegrepen.

[119] Legal assistance: €1,250 ↩

If the insured is imprisoned or threatened with imprisonment following a traffic accident, Ethias advances the criminal bail demanded by the authorities up to €12,500, and may also advance lawyer's fees up to €1,250 per insured person; both advances are repayable within six months.

Wordt een verzekerde in hechtenis genomen of daarmee bedreigd ingevolge een verkeersongeval, dan schiet Ethias hem de door de overheid geëiste borgtocht voor tot een bedrag van 12 500,00 euro per verzekerde.

[120] Emergency medical treatment: Not established from the reviewed documents ↩

Not itemised as a separate benefit; emergency medical costs are covered under the outpatient, hospitalisation and transport provisions.

[121] Hospitalization: €500,000 ↩

Reimbursement of pharmaceutical, surgical and hospitalisation costs abroad up to €500,000 per insured person and per event, payable as an advance to the foreign hospital or reimbursed on return to Belgium.

Ethias kan deze kosten betalen: ofwel als voorschot, rechtstreeks aan de geneesheren of aan de ziekenhuizen in het buitenland; ofwel aan de verzekerde bij zijn terugkeer in België.

[122] Outpatient treatment: €1,250 ↩

Reimbursement of ambulatory medical care costs prescribed by a doctor abroad, limited to €1,250 per insured person and per event.

Terugbetaling van de kosten voor ambulante medische verzorging, voorgeschreven door een geneesheer en beperkt tot 1 250,00 euro, taksen inbegrepen, per verzekerde en per gebeurtenis.

[123] Medical evacuation: Covered ↩

Repatriation of the insured person to Belgium, or transfer to a better-equipped hospital, organised by Ethias in agreement with the local doctor and family, at no stated cap; must be pre-approved by Ethias.

In alle gevallen moet Ethias het vervoer vooraf goedkeuren.

[124] Repatriation of remains: €750 ↩

In the event of death abroad, Ethias covers coffin costs up to €750, administrative and post-mortem formalities, and organises and pays for the repatriation of the remains to the home or a funeral home in Belgium (transport of the body itself is uncapped); ceremony and burial costs remain with the family.

de kosten van de lijkkist, tot een bedrag van 750,00 euro, taksen inbegrepen

[125] Pre existing conditions: Excluded ↩

Costs linked to pre-existing conditions, continuation of treatment of a previously known illness, or relapse of an illness contracted before departure are excluded from both repatriation and reimbursement.

gelinkt aan vooraf bestaande aandoeningen;

[126] Winter sports cover: €125 ↩

In case of an accident on or off a ski slope, Ethias covers sled/helicopter descent costs and transfer to hospital with no stated cap, plus reimbursement of the unused, pro-rata ski-pass cost up to €125 (on medical certificate) if the insured cannot ski due to accident or illness.

de terugbetaling van de skipas naar rato van de niet-opgebruikte dagen en tot beloop van maximum 125,00 euro, taksen inbegrepen, indien de verzekerde ingevolge een ziekte of een ongeval niet kan skiën.

[127] Adventure sports cover: See details ↩

Adventure sports are not covered by this policy; the only explicit related rule is that assistance or compensation is excluded for taking part as a competitor in motorsport competitions (races, rallies).

bijstand of vergoedingen aan een verzekerde die deelneemt aan motorsportcompetities (wedstrijd, rally);

[128] Pregnancy complications: Conditional ↩

Pregnancy does not give rise to repatriation or reimbursement unless a clear and unforeseen complication occurs. Childbirth costs and voluntary termination of pregnancy are always excluded.

zwangerschap, tenzij er een duidelijke en onvoorziene verwikkeling optreedt;

[129] Trip extension: €65 ↩

Reimbursement of hotel accommodation costs (room and breakfast) if, on medical prescription, the insured cannot undertake the return journey to Belgium on the originally scheduled date, up to €65 per day for a maximum of 8 days.

Indien, om medische redenen gestaafd door een geneeskundig getuigschrift, de verzekerde de terugreis naar België niet op de oorspronkelijk voorziene datum kan aanvatten, neemt Ethias de kosten voor verlengd verblijf in het hotel ten laste tot een bedrag van 65,00 euro per dag, gedurende maximum acht dagen.

[130] Bedside family travel: €500 ↩

Organisation and cost of a return trip (rail 1st class or economy flight) for a family member residing in Belgium to visit an insured person hospitalised abroad for more than 5 days, plus accommodation costs up to €500 (max €100 per night).

In al deze gevallen worden de verblijfskosten door Ethias ten laste genomen tot een bedrag van 500,00 euro, taksen inbegrepen (met een maximum van 100,00 euro per nacht).

[131] Emergency cash advance: €2,000 ↩

In dramatic circumstances following theft or accident abroad, Ethias may advance funds up to €2,000 against signature of an acknowledgement of debt and provision of a guarantee.

Wanneer de verzekerde ingevolge een ongeval of een diefstal (waarvan klacht werd neergelegd bij de politie) zonder geld zit, kan Ethias een voorschot toekennen tot 2 000,00 euro.

[132] Home locksmith belgium: €50 ↩

In case of loss or theft of the keys to the insured's home in Belgium, Ethias reimburses the call-out and labour costs of a locksmith up to €50, excluding materials/parts.

Bij verlies of diefstal van de sleutels van de woning van de verzekerde, betaalt Ethias de verplaatsingsonkosten en het arbeidsloon van een slotenmaker terug tot beloop van 50,00 euro, taksen inbegrepen.

[133] Pet repatriation: Covered ↩

Organisation and cost of repatriation of domestic pets (dogs and cats only) when the insured person benefits from a repatriation covered by this policy; quarantine and veterinary costs required by air-transport regulations remain at the insured's expense.

Ethias organiseert en bekostigt de repatriëring van huisdieren wanneer de verzekerde zelf geniet van een door deze polis gewaarborgde repatriëring.

[134] Medical expenses: €750,000 – €1,250,000 ↩

Reimbursement of medical expenses paid abroad, up to €750,000 per insured person per claim under the Europe SMART formula and up to €1,250,000 under the World SMART formula, after intervention of the insured's mutual/health insurance.

[135] Medical transport: Covered ↩

Transport home of the insured is covered in case of force majeure or of a sick/injured insured and an accompanying insured person, with no specific euro ceiling stated in the IPID.

[136] COVID-19 treatment: See details ↩

Not specifically addressed in the available documents.

[137] Personal liability: See details ↩

Not addressed in the available documents for this product.

[138] Emergency dental: €150 ↩

Urgent dental care abroad is covered up to €150 per insured person.

[139] Search & rescue: €6,000 ↩

Reimbursement of search and rescue costs in case of an accident on or off ski slopes, up to a maximum of €6,000.

[140] Legal assistance: €1,250 ↩

Advance of lawyer's fees up to €1,250; advance of penal bail up to a maximum of €12,500.

[141] Emergency medical treatment: €750,000 – €1,250,000 ↩

Emergency medical treatment abroad is covered under the same overall medical expenses ceiling of €750,000 (Europe SMART) or €1,250,000 (World SMART) per insured person per claim.

[142] Hospitalization: €750,000 – €1,250,000 ↩

Hospitalization costs are not separately capped and are covered within the overall medical expenses ceiling of €750,000 (Europe SMART) / €1,250,000 (World SMART). Hospital visits are also covered if hospitalized without a companion for at least 5 days (adults).

[143] Outpatient treatment: €750,000 – €1,250,000 ↩

Outpatient medical treatment abroad is not separately capped and falls within the overall medical expenses ceiling of €750,000 (Europe SMART) / €1,250,000 (World SMART).

[144] Medical evacuation: Covered ↩

Assistance to persons in case of illness, bodily injury, death or natural disaster while traveling is included, with the assistance centre organizing evacuation/return; no specific euro ceiling is stated for this benefit itself in the IPID.

[145] Repatriation of remains: €850 – €1,500 ↩

Repatriation in case of death is covered; the coffin/funeral urn costs specifically are capped at €850 in Belgium and €1,500 abroad. The repatriation transport itself is not separately capped in the IPID.

[146] Pre existing conditions: Excluded ↩

Pathological conditions known before departure, in a treatment phase presenting a real risk of rapid worsening, or not stabilized for at least 2 months, are excluded, as is repatriation for organ transplant.

[147] Winter sports cover: Conditional ↩

Ski assistance is included for accidents on and off marked ski slopes, but off-piste accidents are only covered if the insured is accompanied by an instructor from an organization accredited for off-piste skiing.

[148] Adventure sports cover: Conditional ↩

Extremely dangerous sports are excluded from cover unless practiced with, or accompanied by, a person with professional training in that sport.

[149] Pregnancy complications: Conditional ↩

Air travel during pregnancy beyond 28 weeks is excluded, except where written authorization has been given by the treating gynaecologist.

[150] Medical expenses: €1,000,000 ↩

Depending on the chosen assistance formula, medical expenses abroad can be reimbursed up to €1,000,000; this benefit is only available under the F-Selection formula which includes person assistance.

Selon la formule d’assistance choisie, celle-ci couvre non seulement les frais médicaux (jusqu’à 1 000 000 €), mais peut également couvrir le rapatriement, l’assistance au véhicule et le véhicule de remplacement, les tentatives de vol, etc.

[151] Medical transport: Covered ↩

In case of injury or death following a traffic accident with the insured vehicle, transport, return, or medical repatriation is provided.

In geval van kwetsuren of overlijden als gevolg van een verkeersongeval met het verzekerde voertuig worden ook het vervoer, terugkeer of medische repatriëring voorzien.

[152] COVID-19 treatment: See details ↩

Not mentioned in the available sources.

[153] Personal liability: See details ↩

Not mentioned in the available sources for this travel assistance product.

[154] Emergency dental: See details ↩

Not specifically mentioned in the available sources.

[155] Search & rescue: €7,500 ↩

If you fall heavily while skiing or snowboarding under the F-Selection formula, search and rescue costs are reimbursed up to €7,500.

De eventuele opsporings- en reddingskosten worden vergoed, tot € 7 500.

[156] Legal assistance: Covered ↩

Additional services abroad include, among others, money transfer, telecommunication costs, and legal assistance.

BIJKOMENDE DIENSTEN IN HET BUITENLAND (onder andere transfer van geld, telecommunicatiekosten, juridische bijstand,….)

[157] Emergency medical treatment: Covered ↩

In case of illness or accident under the F-Selection formula, emergency medical treatment abroad is covered as part of the overall medical costs guarantee.

kan je bij ziekte of ongeval worden gerepatriëerd en worden je medische kosten in het buitenland, vergoed (zie hieronder de vergoedingsplafonds, in functie van de onderschreven bijstand).

[158] Hospitalization: Covered ↩

Hospitalization abroad is covered under the F-Selection medical costs guarantee; a separate cap is not specified in available sources.

kan je bij ziekte of ongeval worden gerepatriëerd en worden je medische kosten in het buitenland, vergoed (zie hieronder de vergoedingsplafonds, in functie van de onderschreven bijstand).

[159] Outpatient treatment: €5,000 ↩

Medical costs incurred in Belgium can be reimbursed up to €5,000 if incurred within the 3 months following repatriation after a medical incident abroad.

Vous pouvez également être indemnisé (à concurrence de 5.000 EUR) pour vos frais médicaux en Belgique durant les 3 premiers mois suivant votre rapatriement à la suite d’un incident médical survenu à l’étranger.

[160] Medical evacuation: Covered ↩

Under F-Selection, in case of illness or accident, the insured person can be repatriated; a specific monetary cap is not stated in available sources.

Si vous optez pour une formule (F-Selection) incluant l’assistance aux personnes, vous pouvez, en cas de maladie ou d’accident, vous faire rapatrier et être indemnisé pour vos frais médicaux à l'étranger

[161] Repatriation of remains: See details ↩

Not specifically detailed with a monetary value in the available sources beyond general repatriation coverage in case of death following a traffic accident.

[162] Pre existing conditions: Excluded ↩

All claims or illnesses that existed before or at the start of the insurance, or at the moment of departure on the trip, and their consequences, are excluded.

Tout sinistre ou maladie existant avant ou au moment de la prise d'effet de l'assurance, ou au moment du départ en voyage, ainsi que leurs conséquences

[163] Winter sports cover: €300 – €7,500 ↩

F-Selection includes coverage for skiing and snowboarding: search/rescue costs reimbursed up to €7,500, and the ski pass reimbursed up to €300 in case of repatriation or hospitalization of more than 48 hours.

De eventuele opsporings- en reddingskosten worden vergoed, tot € 7 500. En je skipas wordt terugbetaald (tot € 300) bij repatriëring of hospitalisatie van meer dan 48u.

[164] Adventure sports cover: See details ↩

Not specifically confirmed for this product in the available sources.

[165] Pregnancy complications: See details ↩

Not specifically mentioned; only contraception is explicitly excluded from person assistance.

Pour l'assistance aux personnes : les opérations et traitements esthétiques (sauf s'ils sont médicalement nécessaires), les cures, régimes, la contraception, les frais optiques, les vaccins, ...

[166] Medical expenses: €500,000 – €1,000,000 ↩

Medical expenses incurred abroad are reimbursed up to 500,000 euros per person under the standard formula, or up to 1,000,000 euros per person under the VIP formula, which doubles all insured amounts of the personal assistance cover; a 100 euro deductible applies in both cases.

Ziektekosten in het buitenland tot 500.000 euro per persoon (Vipformule: 1.000.000 euro per persoon)

[167] Medical transport: €500,000 – €1,000,000 ↩

If a return is medically necessary, KBC arranges transport to the insured's home or a hospital in Belgium, within the overall personal assistance ceiling of 500,000 euros per person (1,000,000 euros VIP).

Is een terugkeer noodzakelijk door medische redenen? Dan begeleiden we je naar je woning of een ziekenhuis in België.

[168] COVID-19 treatment: Conditional ↩

COVID-19 is not treated as a special exclusion for medical assistance abroad: KBC's assistance insurance covers medical costs and repatriation for illness (including COVID-19) as with any other sickness, and KBC, as an exception, reimburses extra accommodation costs if a traveller must quarantine locally even without a positive test or symptoms. However, epidemics (including COVID-19) are explicitly excluded as a valid reason for trip cancellation under the separate cancellation insurance.

KBC vormt hierop een uitzondering: als je langer dan gepland ter plaatse moet blijven wegens quarantaine

[169] Personal liability: Excluded ↩

KBC's own information document lists personal assistance, cancellation, baggage, travel accident and travel disputes cover as the covers included in this policy; a general personal liability benefit for damage caused to third parties is not among them.

Wat is verzekerd?

[170] Emergency dental: €250 ↩

Dental treatment, prostheses and orthopedic devices needed abroad are reimbursed up to 250 euros per person, within the overall ceiling of the personal assistance cover.

250 euro voor tandheelkunde, prothesen en orthopedische toestellen

[171] Search & rescue: €5,000 ↩

Search and rescue costs are reimbursed up to 5,000 euros per person, within the overall ceiling of the personal assistance cover.

5.000 euro voor de opsporingskosten

[172] Legal assistance: €50,000 ↩

An optional Travel Disputes module covers legal costs up to 50,000 euros per claim for all insured together, for disputes with tour operators, landlords, repairers and other service providers, and for problems with police or authorities abroad. It must always be taken out in addition to another cover in the policy and cannot be subscribed alone, and it can only be purchased via KBC Touch or KBC Mobile, not the general website.

De verzekering reisgeschillen moet altijd in aanvulling op een andere verzekering worden gesloten en kan dus niet alleen worden aangegaan.

[173] Emergency medical treatment: €500,000 – €1,000,000 ↩

Emergency medical treatment costs abroad fall within the overall personal assistance ceiling of 500,000 euros per person (1,000,000 euros under the VIP formula).

Deze verzekering dekt hoofdzakelijk gezondheidsperikelen op reis: ziekte, ongeval, enz.

[174] Hospitalization: €500,000 – €1,000,000 ↩

Hospitalisation abroad is covered within the same overall personal assistance ceiling of 500,000 euros per person (1,000,000 euros VIP), alongside forced extended stay, repatriation and travel of family members.

hospitalisatie, repatriëring, gedwongen verlengd verblijf, overkomst van familieleden, dringende hulp, enz.

[175] Outpatient treatment: €500,000 – €1,000,000 ↩

Outpatient medical costs abroad fall within the general personal assistance ceiling of 500,000 euros per person (1,000,000 euros VIP).

De kosten van een blindedarmoperatie kunnen oplopen tot meer dan 40.000 euro in de Verenigde Staten en Canada.

[176] Medical evacuation: €500,000 – €1,000,000 ↩

Medical repatriation to Belgium when required for health reasons is included within the overall personal assistance ceiling of 500,000 euros per person (1,000,000 euros VIP); KBC also arranges the return of accompanying insured persons.

We regelen ook de terugreis van andere verzekerden die niet naar huis kunnen terugkeren zoals gepland.

[177] Repatriation of remains: €500,000 – €1,000,000 ↩

Repatriation is listed among the core benefits of the personal assistance cover within the overall 500,000 euro (1,000,000 euro VIP) ceiling; the sources do not separately break out a mortal-remains scenario.

hospitalisatie, repatriëring, gedwongen verlengd verblijf, overkomst van familieleden, dringende hulp, enz.

[178] Pre existing conditions: Conditional ↩

Complications or worsening of an existing illness under the personal assistance cover are excluded only if the prescribed treatment was not followed, implying cover applies when treatment was followed.

Verwikkelingen of verergeringen van een bestaande ziekte als u de voorgeschreven behandeling niet hebt gevolgd.

[179] Winter sports cover: Covered ↩

Ordinary skiing and snowboarding accidents are covered under the personal assistance cover; medical costs resulting from such an accident are reimbursed by KBC. Only extreme variants, such as heli-skiing, remain excluded as a dangerous outdoor activity.

Medische kosten die het gevolg zijn van je ongeval worden door KBC vergoed.

[180] Adventure sports cover: Excluded ↩

Participation in extreme outdoor activities (base jumping, heli-skiing, wreck diving) is explicitly excluded from the personal assistance and travel accident covers, as is paid or profit-making sports practice, including training.

Betaalde of winstgevende sportbeoefening, trainingen inbegrepen; Deelname aan extreme outdooractiviteiten.

[181] Pregnancy complications: Excluded ↩

Complications arising from pregnancy after the sixth month and childbirth costs are explicitly listed among the situations not covered by the personal assistance insurance.

Verwikkelingen bij zwangerschap na de zesde maand en bevallingskosten.

[182] Trip cancellation: €12,500 ↩

Cancellation or early return costs are reimbursed up to a limit of 12,500 euros per trip for all insured together, for valid reasons such as health issues, death, study/work events, or missed departure. The VIP formula doubles insured amounts across the policy's covers, but the sources do not print a separate doubled ceiling figure for this cover.

voor het geheel van de kosten geldt er een vergoedingslimiet van 12 500 euro per reis voor alle verzekerden samen.

[183] Baggage cover: €1,500 ↩

Baggage and rented or borrowed travel items are covered up to 1,500 euros per insured person for theft with violence/threat/break-in, sudden accidental damage, and non-delivery or damaged delivery by the transport company; a 100 euro deductible per claim applies. The VIP formula doubles insured amounts across the policy, but no separately printed doubled baggage ceiling was found in the sources.

We verzekeren uw bagage én voorwerpen die u op reis huurt of gratis mag gebruiken tot 1 500 euro per verzekerde persoon.

[184] Travel accident disability: €100,000 ↩

If insured under the optional travel accidents cover with extra protection, permanent disability resulting from an accident during the trip is compensated up to a maximum of 100,000 euros.

De maximale vergoeding in geval van blijvende invaliditeit bedraagt 100 000 euro.

[185] Travel accident death: €10,000 ↩

The death benefit under the optional travel accidents cover is 10,000 euros, and actual funeral costs are reimbursed up to a further 10,000 euros.

De vergoeding bij overlijden bedraagt 10 000 euro. We vergoeden ook de werkelijk gemaakte begrafeniskosten tot 10 000 euro.

[186] Extended stay accommodation: €100 – €150 ↩

If you must stay longer than planned due to illness or accident, extra stay costs are reimbursed up to 100 euros per day and per person for a maximum of 7 days (150 euros per day under the VIP formula); no benefit applies if the tour operator covers these costs.

De periode is maximaal 7 dagen en het verzekerde bedrag is 100 euro per dag en per persoon.

[187] Medical expenses: €500,000 ↩

Medical expenses incurred abroad are reimbursed up to 500,000 euros per insured person; a VIP option doubles this to 1,000,000 euros per person. A 100 euro deductible applies per claim.

De medische kosten in het buitenland worden vergoed tot 500 000 euro per persoon.

[188] Medical transport: Optional ↩

Urgent transport assistance ('dringende hulp') is included under the personal assistance benefit for medical emergencies abroad.

Deze verzekering dekt hoofdzakelijk gezondheidsperikelen op reis: ziekte, ongeval, enz. en de ongemakken die daarmee gepaard gaan, zoals hospitalisatie, repatriëring, gedwongen verlengd verblijf, overkomst van familieleden, dringende hulp, enz.

[189] COVID-19 treatment: Not established from the reviewed documents ↩

Not mentioned in the available sources.

[190] Personal liability: Not established from the reviewed documents ↩

Personal liability abroad is not part of this travel insurance product; it is covered separately under KBC Family Insurance.

[191] Emergency dental: Not established from the reviewed documents ↩

Not specifically detailed as a separate benefit in the available sources.

[192] Search & rescue: Not established from the reviewed documents ↩

Not mentioned in the available sources.

[193] Legal assistance: €50,000 ↩

Travel disputes cover provides legal assistance for disputes with tour operators, rental companies, repair companies and other service providers, and problems with police or authorities abroad; costs are covered up to 50,000 euros per claim for all insured combined. This cover must always be taken in addition to another cover and cannot be taken out alone.

De kosten zijn verzekerd tot 50 000 euro per schadegeval en voor alle verzekerden samen.

[194] Emergency medical treatment: Optional ↩

Urgent medical care abroad is covered as part of the personal assistance benefit, within the overall 500,000 euro medical expenses limit per person.

Deze verzekering dekt hoofdzakelijk gezondheidsperikelen op reis: ziekte, ongeval, enz. en de ongemakken die daarmee gepaard gaan, zoals hospitalisatie, repatriëring, gedwongen verlengd verblijf, overkomst van familieleden, dringende hulp, enz.

[195] Hospitalization: Optional ↩

Hospitalization costs abroad are covered under the personal assistance benefit, together with forced extended stays and transfer of family members.

Deze verzekering dekt hoofdzakelijk gezondheidsperikelen op reis: ziekte, ongeval, enz. en de ongemakken die daarmee gepaard gaan, zoals hospitalisatie, repatriëring, gedwongen verlengd verblijf, overkomst van familieleden, dringende hulp, enz.

[196] Outpatient treatment: Not established from the reviewed documents ↩

Not specifically detailed as a separate benefit in the available sources.

[197] Medical evacuation: Optional ↩

Repatriation to Belgium in case of illness or accident is covered under the personal assistance benefit, valid worldwide.

The cover offered by KBC Brussels is valid worldwide and extends to a maximum of 500,000 euros. In addition, members of your family can also be flown back for free if you have to be repatriated.

[198] Repatriation of remains: Not available ↩

Not specifically detailed as a separate benefit in the available sources.

[199] Pre existing conditions: Conditional ↩

Complications from or worsening of a pre-existing illness are only covered if the insured was following the prescribed treatment; otherwise it is excluded.

Verwikkelingen of verergeringen van een bestaande ziekte als u de voorgeschreven behandeling niet hebt gevolgd;

[200] Winter sports cover: Not established from the reviewed documents ↩

Not specifically mentioned in the available sources.

[201] Adventure sports cover: Excluded ↩

Participation in extreme outdoor activities where conditions or difficulty pose a potential danger to life (e.g. base jumping, heli-skiing, wreck diving) is excluded from cover.

Ongevallen tijdens de deelname aan extreme outdooractiviteiten, bv. basejumpen, heliskiën, wrakduiken, enz;

[202] Pregnancy complications: Conditional ↩

Pregnancy complications are covered up to the end of the second trimester; complications after the second trimester and childbirth expenses are excluded.

Verwikkelingen bij zwangerschap na de zesde maand en bevallingskosten;

[203] Medical expenses: Excluded ↩

Not included: P&V Reisverzekering is a travel accident, baggage, liability and cancellation policy without medical-expense cover.

Wij voorzien in prestaties voor een lichamelijk ongeval tijdens uw reis, schade aan uw bagage, uw burgerrechtelijke aansprakelijkheid of een annulatie van uw reis volgens de door u gekozen waarborgen en bedragen zoals omschreven in uw contract.

[204] Medical transport: Excluded ↩

Not included: medical transport is not among the benefits described in the IPID, which covers only accident capital, baggage, liability and cancellation.

Wij voorzien in prestaties voor een lichamelijk ongeval tijdens uw reis, schade aan uw bagage, uw burgerrechtelijke aansprakelijkheid of een annulatie van uw reis volgens de door u gekozen waarborgen en bedragen zoals omschreven in uw contract.

[205] COVID-19 treatment: Excluded ↩

Not included: the IPID does not mention COVID-19 treatment; its covered benefits are limited to accident capital, baggage, liability and cancellation.

Wij voorzien in prestaties voor een lichamelijk ongeval tijdens uw reis, schade aan uw bagage, uw burgerrechtelijke aansprakelijkheid of een annulatie van uw reis volgens de door u gekozen waarborgen en bedragen zoals omschreven in uw contract.

[206] Personal liability: See details ↩

No information on personal liability coverage under this travel product was found in the retrieved source text.

[207] Emergency dental: Excluded ↩

Not included: emergency dental care is not among the benefits described in the IPID.

Wij voorzien in prestaties voor een lichamelijk ongeval tijdens uw reis, schade aan uw bagage, uw burgerrechtelijke aansprakelijkheid of een annulatie van uw reis volgens de door u gekozen waarborgen en bedragen zoals omschreven in uw contract.

[208] Search & rescue: Excluded ↩

Not included: search and rescue costs are not among the benefits described in the IPID.

Wij voorzien in prestaties voor een lichamelijk ongeval tijdens uw reis, schade aan uw bagage, uw burgerrechtelijke aansprakelijkheid of een annulatie van uw reis volgens de door u gekozen waarborgen en bedragen zoals omschreven in uw contract.

[209] Legal assistance: See details ↩

No information on legal assistance coverage under this travel product was found in the retrieved source text.

[210] Emergency medical treatment: Excluded ↩

Not included: the IPID lists accident capital, baggage, liability and cancellation as the only covered benefits; emergency medical treatment abroad is not part of this product.

Wij voorzien in prestaties voor een lichamelijk ongeval tijdens uw reis, schade aan uw bagage, uw burgerrechtelijke aansprakelijkheid of een annulatie van uw reis volgens de door u gekozen waarborgen en bedragen zoals omschreven in uw contract.

[211] Hospitalization: Excluded ↩

Not included: the IPID's covered benefits are limited to accident capital, baggage, liability and trip cancellation; hospitalization costs abroad are not covered.

Wij voorzien in prestaties voor een lichamelijk ongeval tijdens uw reis, schade aan uw bagage, uw burgerrechtelijke aansprakelijkheid of een annulatie van uw reis volgens de door u gekozen waarborgen en bedragen zoals omschreven in uw contract.

[212] Outpatient treatment: Excluded ↩

Not included: outpatient medical treatment abroad is not among the benefits described in the IPID (accident capital, baggage, liability, cancellation).

Wij voorzien in prestaties voor een lichamelijk ongeval tijdens uw reis, schade aan uw bagage, uw burgerrechtelijke aansprakelijkheid of een annulatie van uw reis volgens de door u gekozen waarborgen en bedragen zoals omschreven in uw contract.

[213] Medical evacuation: Excluded ↩

Not included: medical evacuation is not among the benefits described in the IPID.

Wij voorzien in prestaties voor een lichamelijk ongeval tijdens uw reis, schade aan uw bagage, uw burgerrechtelijke aansprakelijkheid of een annulatie van uw reis volgens de door u gekozen waarborgen en bedragen zoals omschreven in uw contract.

[214] Repatriation of remains: Excluded ↩

Not included: repatriation of remains is not among the benefits described in the IPID, which covers only accident capital, baggage, liability and cancellation.

Wij voorzien in prestaties voor een lichamelijk ongeval tijdens uw reis, schade aan uw bagage, uw burgerrechtelijke aansprakelijkheid of een annulatie van uw reis volgens de door u gekozen waarborgen en bedragen zoals omschreven in uw contract.

[215] Pre existing conditions: See details ↩

Pre-existing medical conditions are typically subject to limitations in travel policies, but the exact P&V wording could not be confirmed from the retrieved text.

[216] Winter sports cover: See details ↩

No information on winter sports coverage was found in the retrieved source text.

[217] Adventure sports cover: See details ↩

No information on adventure sports coverage was found in the retrieved source text.

[218] Pregnancy complications: Excluded ↩

Not included: pregnancy complications are not among the benefits described in the IPID.

Wij voorzien in prestaties voor een lichamelijk ongeval tijdens uw reis, schade aan uw bagage, uw burgerrechtelijke aansprakelijkheid of een annulatie van uw reis volgens de door u gekozen waarborgen en bedragen zoals omschreven in uw contract.

[219] Medical expenses: Unlimited ↩

Touring intervenes without a monetary ceiling in surgical and hospitalization costs abroad, after the amounts recoverable from Belgian social security for the same risks have been exhausted. If the insured is not up to date with mutual-insurance contributions, this intervention is limited to €1,250 per insured per claim for medical, surgical, pharmaceutical and hospitalization costs.

Touring intervient de manière illimitée dans les prestations définies ci-après, après épuisement des indemnités auxquelles l’assuré peut prétendre pour les mêmes risques auprès de la Sécurité sociale :

[220] Medical transport: €500 ↩

Costs of the insured's first/initial transport are borne by Touring without a stated ceiling. Other transport costs (including hospital visits by other insureds) are covered up to €500 per insured per claim.

Les autres frais de transport (y compris les visites éventuelles à l’hôpital des autres assurés) sont pris en charge à concurrence de maximum €500 par assuré et par sinistre ;

[221] COVID-19 treatment: See details ↩

The policy does not define a distinct COVID-19 benefit. Any claim arising in a country for which the Belgian Foreign Affairs department (FPS) has issued a negative travel advisory linked to a worldwide health problem (epidemics/pandemics included) is excluded, and quarantine measures are also listed among the force-majeure 'exceptional circumstances' for which Touring is not liable.

Tout évènement qui se produit dans un pays en guerre, en guerre civile, placé sous loi martiale, touché par des problèmes de santé au niveau mondial (y compris épidémies et pandémies) ou subissant des actes de terrorisme, des émeutes ou des grèves violentes

[222] Personal liability: See details ↩

The Touring Traveller Full/Family Full policy does not include a personal or third-party civil liability guarantee.

[223] Emergency dental: €250 ↩

Costs of urgent dental care provided by a qualified dentist following an accident or an acute crisis are covered up to €250 per insured; dental prostheses are not covered, and Touring does not organize repatriation on this ground alone.

Les coûts des soins dentaires urgents dispensés par un dentiste qualifié à la suite d’un accident ou d’une crise aiguë, jusqu’à concurrence de € 250 par assuré (les prothèses ne sont pas couvertes). Dans ce cas, Touring ne prévoit pas de rapatriement;

[224] Search & rescue: €15,000 ↩

Touring covers search and rescue costs billed by official rescue organizations up to €15,000 per claim for all insureds combined, on presentation of the invoice and an attestation from rescue services or local authorities confirming the insureds' identity. Off-piste skiing is covered only if accompanied by a licensed ski instructor; off-trail mountain hiking is covered only if accompanied by a licensed mountain guide.

Touring intervient, à concurrence de maximum € 15.000 par sinistre et pour l’ensemble des assurés, pour les frais de recherche et les frais de sauvetage, facturés par des organismes officiels de secours.

[225] Legal assistance: €25,000 ↩

Cover is narrow, limited to accessory legal costs tied to specific events: following a road-traffic accident abroad, Touring advances the criminal bail up to €25,000 and advances lawyer's fees up to €2,500; a separate €2,500 lawyer-fee advance applies for third-party liability claims arising from skiing. General litigation costs are otherwise excluded, except for these specific cases.

Si à la suite d’un accident de roulage à l’étranger l’assuré fait l’objet de poursuites, Touring avance le montant de la caution pénale exigée par les autorités compétentes à concurrence de maximum € 25.000 par dossier. Dans ce cas, Touring intervient également pour les honoraires d’avocat à concurrence de maximum € 2.500 par dossier.

[226] Emergency medical treatment: Unlimited ↩

Emergency treatment following an accident or serious illness abroad is covered without a stated ceiling (surgical and hospitalization costs), with specific sub-limits: urgent dental care up to €250 per insured (prostheses excluded, no repatriation organized on this ground alone), hotel stay while bedridden up to €85/day capped at €850 per insured per event, and other transport costs (including hospital visits by other insureds) up to €500 per insured per claim.

Les frais chirurgicaux et d’hospitalisation;

[227] Hospitalization: Unlimited ↩

Hospitalization costs abroad are covered without a monetary ceiling. Follow-up hospitalization in Belgium linked to an unplanned medical operation or accident abroad is separately capped at €6,000 per insured, for hospitalizations occurring within 3 months of discharge from the foreign hospital.

En cas d’hospitalisation en Belgique liée à une opération médicale non planifiée ou un accident à l’étranger, Touring intervient dans les frais médicaux, chirurgicaux et hospitaliers en Belgique, à concurrence de € 6.000 au maximum par assuré.

[228] Outpatient treatment: €745 ↩

Ambulatory medical costs incurred abroad fall within the general unlimited medical-expense guarantee. Ambulatory follow-up costs incurred in Belgium after a foreign accident or illness are capped at €745 per insured (massage, kinesitherapy and physiotherapy sub-limited to €125), valid for 1 year from the event and conditional on a medical file already having been opened with Touring's assistance centre during the stay abroad.

En cas de frais médicaux ambulatoires à la suite d’une opération médicale ou un accident à l’étranger, Touring intervient jusqu’à concurrence de maximum € 745 par assuré (les frais de massage, de kinésithérapie et de physiothérapie sont limités à maximum € 125 par assuré).

[229] Medical evacuation: Unlimited ↩

Touring organizes and pays, without a stated ceiling, the repatriation of an insured hospitalized abroad following an accident or serious illness (by ambulance, train, helicopter, scheduled flight, charter flight or air ambulance, as decided by Touring's doctor), once medically justified. Insureds on an organ-transplant waiting list registered with a Eurotransplant centre also benefit from an organized return to the designated hospital in Belgium.

Le remboursement illimité des frais médicaux et de rapatriement en cas d’hospitalisation à l’étranger;

[230] Repatriation of remains: Covered ↩

Touring organizes and pays for repatriation of the deceased insured's remains from abroad to Belgium and reimburses embalming and foreign administrative formality costs, with coffin costs capped at €785 per insured. If the deceased is instead buried or cremated abroad, Touring's intervention (mise en bière/embalming, coffin or urn, local transport of remains, urn repatriation, a return ticket for one family member, and administrative formalities) is capped at €1,500 in total; burial, cremation and ceremony costs are not covered.

En cas de décès à l’étranger d’un assuré, Touring organise le rapatriement de sa dépouille mortelle depuis l’hôpital ou le funérarium jusqu’au lieu en Belgique désigné par la famille, et rembourse les frais d’embaumement et les frais de formalités administratives à l’étranger.

[231] Pre existing conditions: Conditional ↩

Relapses or worsening of an illness or pathological condition known before departure are excluded. A pre-existing illness remains covered only if it is 'stable' on the day of departure: no change in (para)medical treatment, no hospitalization or worsening, and no medical contraindication to travel, all confirmed by a medical report from the treating physician at the time of booking the trip and/or subscribing to the contract.

Une maladie est considérée comme stable lorsqu’il n’y a pas de changement dans le traitement (para)médical de cette maladie, lorsqu’il n’y a pas eu d’hospitalisation ou d’aggravation et lorsque selon le médecin traitant il n’y a pas de contre-indication médicale pour voyager.

[232] Winter sports cover: Covered ↩

Medical costs abroad due to a ski accident are covered under the general unlimited medical-expense guarantee. Related follow-up costs in Belgium are capped at €6,000 (hospitalization) and €745 (ambulatory, with massage/kinesitherapy/physiotherapy sub-limited to €125). Also included: reimbursement of unused ski pass and lessons of more than 5 consecutive days up to €200 per insured, rental costs up to €100 following breakage of skis/bindings, rental costs up to €100 following theft of skis/poles/boots (with proven forced entry or violence), and a €2,500 lawyer-fee advance for third-party liability claims arising from skiing.

Touring intervient à concurrence de maximum € 200 par assuré, pour le skipass et les cours de ski de plus de 5 jours consécutifs qui n’ont pu être utilisés du fait de :

[233] Adventure sports cover: Excluded ↩

Aerial sports, motorsports, bobsleigh, mountaineering, rock climbing, off-piste skiing (unless with a licensed instructor), off-trail mountain hiking (unless with a licensed guide), kitesurfing, scuba diving, canyoning, bungee jumping, speleology, combat sports, big-game hunting, speedriding, downhill, car-surfing and any sport practised in competition or a speed event are excluded from cover.

Les sports aériens, les sports motorisés, le bobsleigh, l’alpinisme, l’escalade, le ski hors-piste (sauf si l’assuré est accompagné d’un moniteur de ski agréé), la randonnée en montagne par voie non frayée (sauf si l’ assuré est accompagné d’un guide de montagne agréé), le kitesurf, la plongée sous-marine, le canyoning, le saut à l’élastique, la spéléologie, les sports de combat, la chasse de gibier, le speedriding, le downhill, le carsurfing et tous les sports pratiqués dans le cadre d’une compétition ou d’une épreuve de vitesse

[234] Pregnancy complications: Unlimited ↩

Pregnancy itself is not treated as an illness, but serious complications during pregnancy are assimilated to an accident and covered under the unlimited medical-expense guarantee. Pregnancies beyond 28 weeks, childbirth and its consequences (other than serious complications), and voluntary termination of pregnancy are excluded from cover.

Les complications graves pendant la grossesse peuvent être assimilées à un accident.

[235] Medical expenses: Covered ↩

Emergency medical expenses are covered up to €3,500,000 under the Standard Plan; the Explorer Plan provides unlimited cover for hospital charges, prescribed medicines and physiotherapy treatment in hospital, subject to a €70 excess.

€3,500,000 Unlimited €70 Section 1 and General Exclusions

[236] Medical transport: Covered ↩

Emergency medical transport and repatriation home is covered when medically necessary and authorised by the emergency assistance team, up to the amount shown in the Summary of Cover.

Cover is up to the amount shown in the Summary of Cover and is subject to our emergency assistance team or us , on the advice of a medical practitioner appointed by us in consultation with your medical practitioner overseas, first deciding that: transportation is medically necessary

[237] COVID-19 treatment: Conditional ↩

World Nomads' plans offer cover for some Coronavirus-related medical and travel events, but coverage depends on your country of residence and may vary between plans; no single benefit limit is stated.

Coverage for some Coronavirus-related events : We offer cover for a number of COVID-19 related events that may disrupt your trip.

[238] Personal liability: €700,000 – €1,750,000 ↩

Third party compensation and legal costs for accidental bodily injury or property damage are covered up to €700,000 under the Standard Plan or €1,750,000 under the Explorer Plan, subject to a €70 excess; this does not cover third-party liability for mechanical or motorised vehicles.

7.1 Third party compensation and legal costs €700,00 €1,750,000 €70 Section 7 and General Exclusions

[239] Emergency dental: €350 – €600 ↩

Emergency dental treatment for sudden pain relief is covered up to €350 (Standard Plan) or €600 (Explorer Plan).

Emergency dental: up to €600 (Explorer) or €350 (Standard) for sudden dental issues.

[240] Search & rescue: Not established from the reviewed documents ↩

Not found in the reviewed sources.

[241] Legal assistance: Covered ↩

Legal assistance is not a standalone benefit; reasonable defence costs and other legal expenses incurred settling or defending a liability claim are covered as part of the Personal Liability benefit (Section 7.1), within the same limits as third-party compensation.

We'll cover your reasoinable defence costs and other legal expenses incurred in settling or defending the claim made against you .

[242] Emergency medical treatment: €5,000,000 – €10,000,000 ↩

Emergency overseas medical treatment falls within the overall medical expenses limit of €5,000,000 (Standard) or €10,000,000 (Explorer).

Medical expenses: up to €10,000,000 (Explorer) or €5,000,000 (Standard) coverage for hospital stays, prescribed medicines, and treatment.

[243] Hospitalization: Covered ↩

Hospitalisation costs are covered within the overall Emergency Medical Expenses limit; no separate sub-limit is stated in the reviewed sources.

Hospitalisation.

[244] Outpatient treatment: Covered ↩

Emergency outpatient treatment forms part of the overall medical expenses limit; non-emergency treatment that can wait until return home is excluded.

Non-emergency treatment that can wait until you return home (it's not private health/medical insurance, it's for travel emergencies)

[245] Medical evacuation: Covered ↩

Medical evacuation and repatriation is covered in all World Nomads policies where medically necessary and the appropriate activity cover has been selected; the specific benefit amount is shown in the Summary of Cover.

If you've selected the appropriate cover for the activity you're doing and it's medically necessary, there's cover in all of our policies for medical evacuation/repatriation by: Air Ambulance Sea Level Aircraft Ground Ambulance Commercial airline upgrade Commercial airline with medical escort

[246] Repatriation of remains: Covered ↩

In the event of sudden and unexpected death overseas, reasonable and necessary funeral expenses or repatriation of remains are covered up to the amount shown in the Summary of Cover.

In the event of your sudden and unexpected death overseas , and at the request of your next of kin, cover is available for the reasonable and necessary expenses incurred, up to the amount shown in the Summary of Cover , for: funeral expenses (burial or cremation) overseas ; or transport of your remains home; or cremation overseas and transport of your ashes home .

[247] Pre existing conditions: Excluded ↩

Pre-existing medical conditions are excluded per the policy wording terms and conditions, with exceptions for pregnant mothers in some cases; any illness or injury first showing symptoms or diagnosed while in your country of residence is also excluded.

Pre-existing medical conditions per the policy wording terms and conditions (with exceptions for pregnant mothers in some cases).

[248] Winter sports cover: Conditional ↩

Activities listed in blue are automatically included in both the Standard and Explorer plans; activities listed in orange must be added to the policy at the time of purchase.

Blue activities are automatically included in both the Standard and Explorer plans. All sports listed in orange will need to be added to your policy at the time of purchase.

[249] Adventure sports cover: Conditional ↩

World Nomads' EU plans cover more than 150 adventure sports and activities; blue-listed activities are automatically included in both plans while orange-listed activities must be added at the time of purchase.

Blue activities are automatically included in both the Standard and Explorer plans. All sports listed in orange will need to be added to your policy at the time of purchase.

[250] Pregnancy complications: Conditional ↩

Pre-existing medical conditions are generally excluded, but exceptions are made for pregnant mothers in some cases per the policy wording terms and conditions.

Pre-existing medical conditions per the policy wording terms and conditions (with exceptions for pregnant mothers in some cases).