AXA Belgium SA

Assistance call deadline

The insured must contact AXA immediately before any intervention so the most suitable assistance (transport, medical service, etc.) can be organised. If AXA is not contacted first, reimbursement is limited to the cost AXA would have incurred had it organised the service itself.

Unauthorized treatment

Costs for medical assistance or hospitalisation arranged without prior contact with AXA are reimbursed only up to the amount AXA would have paid had it organised the service itself; using the third-party payer network also requires prior contact with AXA.

Chronic conditions

Chronic illnesses that have caused disorders of the nervous, respiratory, circulatory, blood or kidney systems, and diagnosed conditions not yet healed and still under treatment at departure carrying a real risk of rapid deterioration, are excluded from cover.

Pregnancy

Consequences abroad of a pregnancy beyond the 26th week are excluded unless an unforeseeable complication occurs while abroad; voluntary termination of pregnancy for non-therapeutic reasons is also excluded.

Pre-existing condition exclusions

Diagnosed conditions not yet healed and still under treatment at the departure date, which carry a real risk of rapid deterioration, are excluded, as are illnesses that could have been avoided by a vaccination the insured chose not to have before departure (except in the context of the Covid-19 pandemic).

Coverage duration limit

Horizon temporary covers a single stay of max. 45 days; Horizon annual covers trips of max. 90 consecutive days each, up to 180 days total per year; Premium covers trips of max. 180 consecutive days each. Travelling abroad for a continuous period of more than 180 days is excluded from cover.

Extended stay abroad (medical stranding)

Coverage for extended accommodation costs when stranded abroad due to medical reasons, up to €125/night (Horizon) or €250/night (Premium)

Veterinary expenses for accompanying pets

Coverage for veterinary costs for a dog/cat accompanying the insured in case of illness or accident, up to €65

Trip cancellation and interruption

Coverage for trip cancellation/interruption with limits: Temporary Horizon €1,000/trip (max €2,000/year) to Premium €2,500/trip; Annual Horizon €1,000/trip (max €2,000/year) to Premium €2,500/trip

Baggage loss and delay coverage

Coverage for lost/damaged/stolen baggage: Temporary Horizon €1,500/trip to Premium €2,500/trip; Annual Horizon €1,500 to Premium €2,500/trip. Baggage delay: coverage applies

Trip interruption indemnity

Under the Bijstand Personen/Assistance Personnes cover, if a covered event forces early return, the pro-rata cost of unused days is reimbursed up to €1,000/insured/trip (Horizon annual) or €2,500/insured/trip (Premium), capped at €2,000/insured/year (Horizon annual) or €5,000/insured/year (Premium).

Mandatory vaccination exclusion

Illness avoided by mandatory vaccination not performed before departure is excluded from coverage

Prior medical approval required for early return home

Policyholder must obtain prior approval from AXA Medical Assistance Service before returning home due to medical reasons to have claim covered

Contract duration options

Two contract types: (1) Temporary (Horizon) for stays max 45 days; (2) Annual (Horizon: max 90 consecutive days per trip, 180 days total/year; Premium: max 180 consecutive days per trip)

Doctors Online by AXA - Free remote consultation

Policyholders can call a Belgian doctor for free remote medical consultation when sick or injured abroad, even if unable to communicate with local doctors

Third-party payment system in partner countries

Travel Insurance provides access to extensive network of medical assistance partners allowing third-party payment system in many countries, reducing out-of-pocket medical expenses