CBC Banque SA (insurance products distributed under the commercial name "CBC Assurances", underwritten by KBC Assurances SA)

Assistance call deadline

Assistance must be requested at the time the event occurs and must be granted by CBC or with its agreement; assistance requested later or without CBC's consent is not covered.

Unauthorized treatment

If assistance is not requested at the time of the event or not granted by CBC, no reimbursement is provided for the related costs; there is no partial penalty, coverage is simply withheld.

Purchase while abroad

The insurance cannot be taken out for a trip that has already started before the policy was subscribed; trips begun prior to subscription are excluded from cover.

Chronic conditions

Complications or aggravation of an existing illness are not covered if the insured did not follow the prescribed medical treatment for that illness.

Pregnancy

Pregnancy complications are covered up to the sixth month of pregnancy; complications after the sixth month and childbirth costs are excluded.

Pre-existing condition exclusions

Pre-existing conditions are covered only insofar as the insured has followed the treatment prescribed for that condition; non-compliance excludes related complications or aggravation from cover.

Coverage duration limit

This 'Police vacances CBC' cover is a temporary insurance limited to the duration of the trip, with a maximum covered period of 120 days; for long stays abroad, assistance applies only during the first 4 months of the stay. Travelers wanting year-round, multi-trip cover can instead take out the annual 'Police CBC pour vos voyages' product.

Trip cancellation

Reimbursement of non-recoverable travel costs if trip must be cancelled for covered reasons (illness, accident, death of relative)

Luggage delay

Reimbursement for emergency purchases of clothing and toiletries when luggage is delayed arrival or lost by transport company

Travel accidents coverage

Coverage for accidental death or permanent disability occurring during travel abroad when transport ticket paid with CBC payment method

Domicile requirement

Insured persons must be domiciled in Belgium and have their primary residence there

Extreme sports exclusion

Participation in extreme outdoor activities carried out in extreme conditions or involving serious difficulty posing mortal risk (base jumping, heli-skiing, wreck diving) is excluded

Pre-existing condition treatment requirement

Complications or worsening of an existing illness if insured person has not followed prescribed treatment are not covered

War and civil unrest exclusion

Coverage does not apply to consequences of war, civil unrest, riots, nuclear reactions, radioactivity or ionizing radiation, and direct consequences of earthquakes/volcanic eruptions in Belgium

Unforeseen costs principle

Assistance financial benefits are limited to unforeseen additional costs - costs you would not have had to pay if the assisted event had not occurred

Complementary to mutuelle (health fund) cover

CBC's assistance intervenes only after the benefits of the insured's mutuelle (Belgian health insurance fund) have been exhausted; the insured must complete the necessary formalities to claim mutuelle benefits, especially when staying abroad.