BNP Paribas Fortis SA/NV
BNP Paribas Fortis
BNP Paribas Fortis is a travel insurance for the Belgium market with online purchase and 24/7 assistance.
Direct payment
Touring generally organizes and directly settles hospitalization, surgical and repatriation costs abroad with local providers via its 24/7 medical assistance centre, without upfront payment by the insured; ambulatory, dental and other ancillary expenses are usually advanced by the insured and reimbursed afterwards upon submission of original supporting documents.
Geographic scope
Worldwide except Belgium for personal medical assistance; European Union and selected neighbouring countries except Belgium for the optional vehicle breakdown assistance
Personal assistance benefits apply worldwide except Belgium; benefits are only granted if the covered event occurs in one of the covered countries. The optional vehicle breakdown assistance is valid in EU countries plus Albania, Andorra, Belarus, Bosnia-Herzegovina, Guernsey, Åland Islands, Isle of Man, Iceland, Jersey, Kosovo, Liechtenstein, Montenegro, North Macedonia, Moldova, Monaco, Norway, United Kingdom, San Marino, Serbia, Switzerland, Ukraine and Vatican, excluding Belgium; vehicle benefits are excluded in the Canary Islands, Madeira, Ceuta, Melilla, Turkey and French overseas territories.
Unique selling points
- Medical expenses abroad are reimbursed without any monetary cap and without a deductible.
- 24/7 access to an international medical assistance network relying on 12,000 assistance vehicles, 70 helicopters and 8 air ambulances.
- Backed by more than 60 years of experience as Belgium's leading travel assistance specialist.
- The policy can be purchased and takes effect immediately online.
- Ski accident search-and-rescue costs are covered up to €15,000, well above typical market minimums.
Coverage limits
Medical expenses abroad
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.
Emergency medical/surgical treatment abroad
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.
Hospitalization costs abroad
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.
Outpatient/ambulatory treatment
€745
Outpatient treatment abroad is covered without cap as part of the unlimited medical expenses guarantee. 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.
Emergency dental care
€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.
Other medical-related transport costs
€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.
Medical repatriation/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.
Funeral repatriation
€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.
COVID-19 treatment
No limit stated
Not separately addressed in the provided sources; general exclusions cover events occurring in a country affected by a global health crisis (epidemics/pandemics) where official travel advice against travel has been published.
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.
Winter sports (ski) 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.
Adventure/extreme 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.
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.
Personal liability abroad
No limit stated
No general personal/civil liability guarantee is described in the provided sources for Touring Traveller Full/Family Full.
Legal assistance / lawyer's fees advance
€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.
24/7 assistance line
Covered
A dedicated medical assistance line (+32 2 233 23 45) is available 24 hours a day, 7 days a week, backed by an international network of medical responders.
Key conditions
Assistance call deadline
In case of illness/accident abroad, Touring's medical assistance centre must be notified within 24 hours (except in case of force majeure). In general, any claim must be reported to Touring in writing as soon as possible, and in any case within 7 days.
Unauthorized treatment
Costs incurred by the insured without Touring's prior agreement are excluded, unless otherwise provided in the contract.
Purchase while abroad
Not specifically addressed in the general conditions; the contract's guarantees take effect on the date fixed in the special conditions, provided the first premium has been paid, implying the policy is meant to be in force before the covered trip begins.
Chronic conditions
Terminal illnesses and severe chronic illnesses are covered only in the event of a first manifestation during the trip.
Pregnancy
Pregnancy itself is not considered an illness. Serious complications may be treated as an accident and covered, but pregnancies beyond 28 weeks, childbirth and its consequences are excluded except for serious complications, and voluntary termination of pregnancy is excluded.
Pre-existing condition exclusions
A pre-existing condition is covered only if medically certified as stable (no treatment change, no hospitalization/aggravation, no medical contra-indication to travel) at the time of booking the trip and/or subscribing the contract; otherwise relapses/aggravations known before departure are excluded.
Coverage duration limit
Cover applies to continuous stays abroad of up to 3 months; any event occurring after the first 3 months of a continuous stay abroad is excluded.
Where to buy
Documents
Policy specifics
Medical expenses abroad (no maximum)
Reimbursement of outpatient costs, dental costs, subsistence costs (if stay extended), transport costs with no monetary cap
SourceMedical repatriation
Repatriation of traveller suffering from illness or accident, including travel companion repatriation
SourceEarly return to Belgium for family death or hospitalization
Coverage for early return to Belgium in event of death or hospitalization of family member, or serious damage to home
SourceSki accident coverage
Reimbursement of expenses in event of skiing accident on or off-piste, including search and rescue costs up to €15,000, reimbursement of unused ski lessons, ski passes and damaged/stolen ski equipment
SourceFlight delay/cancellation compensation (Fly Zen)
Compensation in event of flight delay, cancellation, denial of boarding or overbooking (Fly Zen feature)
SourceVehicle assistance in Belgium
Vehicle breakdown assistance and towing with replacement vehicle for up to 5 days in Belgium
SourceMaximum continuous stay duration
Coverage applies to continuous stays of up to 3 months; stays beyond 3 months may require separate extended coverage application
SourcePre-existing conditions and 30-day waiting period
Coverage for pre-existing medical conditions requires medical certification of stability; 30-day waiting period applies for newly added family members/children
SourceEvent exclusion after first 3 months of stay
Events occurring after the first 3 months of continuous stay abroad are not covered
SourcePre-known events exclusion
Events already known before policy was taken out and/or before departure for foreign trip are not covered
SourceNon-coverage for legal violations
Events directly or indirectly related to non-compliance with applicable legislation are not covered
SourceAnnual policy with tacit renewal
Policy valid for 1 year and renews automatically by tacit agreement unless cancelled at least 3 months (or 2 months from October 1, 2024) before renewal date
Source