CBC Assurances Travel insurance (Police Vacances Assistance Personnes)
Underwritten by KBC Assurances SA · Belgium
travel insurance from CBC Assurances for the Belgium market, with 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2014-12Sources
Key facts
- CBC Assurances
Unique selling points
Medical expenses abroad are reimbursed up to 500,000 EUR per insured person.
The optional VIP formula doubles every coverage amount and indemnity ceiling across all subscribed modules, without doubling the deductible.
Up to ten named individuals can be insured together under a single policy.
The policy is modular: travelers can freely combine assistance, cancellation, luggage, accident and legal-dispute cover according to their needs.
Professional travel assistance is available 24 hours a day, all year round.
Coverage limits
Medical expenses abroad
€500K – €1M
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.
Section: 2 Assistance à l'étranger > a Paiement des frais médicaux, des frais de recherche et de sauvetage
Les frais précités sont indemnisés jusqu'à concurrence de 500 000 EUR par personne.
Emergency medical treatment abroad
€500K – €1M
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.
Section: 2 Assistance à l'étranger > a Paiement des frais médicaux, des frais de recherche et de sauvetage
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.
Hospitalization abroad
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.
Section: 2 Assistance à l'étranger > a Paiement des frais médicaux, des frais de recherche et de sauvetage
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.
Outpatient medical treatment abroad
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.
Section: 2 Assistance à l'étranger > a Paiement des frais médicaux, des frais de recherche et de sauvetage
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.
Emergency dental treatment and prosthesis costs
€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.
Section: 2 Assistance à l'étranger > a Paiement des frais médicaux, des frais de recherche et de sauvetage
250 EUR pour les frais de petite chirurgie dentaire et pour les frais de prothèses et/ou d'appareils orthopédiques.
Medical transport abroad
Covered
Transport costs necessary to receive medical treatment abroad are covered within the overall medical expenses ceiling; no separate cap is stated.
Section: 2 Assistance à l'étranger > a Paiement des frais médicaux, des frais de recherche et de sauvetage
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.
Medical repatriation to Belgium
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.
Section: 2 Assistance à l'étranger > b Rapatriement pour raisons médicales
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.
Repatriation of mortal 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.
Section: 2 Assistance à l'étranger > d Rapatriement de la dépouille mortelle
Nous prenons également en charge les frais du traitement "post-mortem" et du cercueil jusqu'à 1 500 EUR.
Search and rescue costs
€5K – €10K
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.
Section: 2 Assistance à l'étranger > a Paiement des frais médicaux, des frais de recherche et de sauvetage
5 000 EUR pour les frais de recherche si vous vous êtes égaré ou avez disparu ;
Covid-19 treatment
No limit stated
The policy documents do not specifically mention Covid-19 treatment.
Pre-existing medical 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.
Section: 3 Cas de non-assurance
pour les complications ou aggravations d'une maladie existante, si vous n'avez pas suivi le traitement prescrit ;
Winter sports cover
No limit stated
The policy does not specifically address ordinary winter sports cover; only extreme variants such as heli-skiing are explicitly excluded as extreme outdoor activities.
Extreme/adventure sports
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.
Section: 3 Cas de non-assurance
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,
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.
Section: 3 Cas de non-assurance
en cas de complications de la grossesse après le sixième mois, pas plus que pour les frais d'accouchement ;
Personal liability abroad
No limit stated
Personal liability cover is not addressed within the Assistance Personnes (travel medical) module of this policy.
Legal assistance
No limit stated
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.
24/7 assistance service
Covered
Professional assistance is available 24 hours a day, all year round, for travel in geographic Europe or worldwide depending on the furthest destination.
Section: I Assurance assistance personnes > Ce que vous devez absolument savoir !
Vous bénéficiez rapidement d'une assistance professionnelle 24 heures sur 24, pendant toute l'année.
Key conditions
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.
Direct payment
CBC pays medical, hospitalization and necessary transport costs abroad directly through its assistance service, subject to a 100 EUR personal contribution per person; the insurance is complementary and only intervenes after the benefits of the insured's mutuelle (health fund) have been exhausted, and the portion of costs covered by the mutuelle or another body is never reimbursed, whether or not that amount is actually received.
Territorial scope
Assistance applies to trips in Belgium and abroad; for domestic assistance you must be at least 10 km from your home; for long stays abroad, cover applies only during the first 4 months of the stay.
Documents
Policy specifics
Trip cancellation
Reimbursement of non-recoverable travel costs if trip must be cancelled for covered reasons (illness, accident, death of relative)
SourceClause 1Page P. 1Section: ASSURANCE ANNULATION > 1 Qu'assurons-nous ?
Cette assurance garantit le paiement des frais que vous ne pouvez pas vous faire rembourser s'il vous faut annuler votre voyage ou rentrer prématurément de voyage à la suite d'un des événements exposés ci-après, pour autant que cet événement se produise pendant la durée de l'assurance.
Luggage delay
Reimbursement for emergency purchases of clothing and toiletries when luggage is delayed arrival or lost by transport company
SourceDomicile requirement
Insured persons must be domiciled in Belgium and have their primary residence there
SourceSection: Bon à savoir
Les personnes assurées doivent être domiciliées en Belgique et y avoir leur résidence principale
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
SourceSection: Assurance assistance voyage > Ce qui n’est pas assuré
La participation à des activités outdoor extrêmes. Nous entendons par là les activités outdoor pratiquées dans des conditions extrêmes ou impliquant un degré de difficulté tel qu'elles sont susceptibles d'entraîner un risque mortel (base-jump, héliski, plongée dans des épaves, etc.)
Pre-existing condition treatment requirement
Complications or worsening of an existing illness if insured person has not followed prescribed treatment are not covered
SourceSection: Assurance assistance voyage > Ce qui n’est pas assuré
Les complications ou l'aggravation d'une maladie existante si vous n'avez pas suivi le traitement prescrit
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
SourceClause 3Page 3Section: 3 Cas de non-assurance
les faits de guerre et les émeutes, les réactions nucléaires, la radioactivité et les radiations ionisantes, les conséquences directes en Belgique de tremblements de terre et d'éruptions volcaniques.
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
SourceClause 3Page 3Section: 3 Cas de non-assurance
Nos prestations financières se limitent toujours aux frais supplémentaires imprévisibles, c.-à-d. aux frais que vous n'auriez pas eu à débourser si l'événement pour lequel l'assistance a été sollicitée ne s'était pas produit.
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.
SourceClause 4.cPage 3Section: 4 Dispositions finales > c Intervention de la mutuelle
Nous intervenons uniquement après épuisement des prestations d'assistance et de remboursement des frais médicaux consenties par la mutuelle.
Sources
- cbc.behttps://www.cbc.be/content/dam/particulieren/f-cbc/product/verzekeren/police-vacances-voyages/Police%20CBC%20voyages%20assurance%20annulation%20-%20CG%2012%202014.pdf#page=1(opens in a new tab)
- cbc.behttps://www.cbc.be/content/dam/particulieren/f-cbc/product/verzekeren/police-vacances-voyages/Police%20CBC%20voyages%20assurance%20assistance%20personnes%20-%20CG%2012%202014.pdf#page=1(opens in a new tab)
- cbc.behttps://www.cbc.be/content/dam/particulieren/f-cbc/product/verzekeren/police-vacances-voyages/Police%20CBC%20voyages%20assurance%20assistance%20personnes%20-%20CG%2012%202014.pdf#page=2(opens in a new tab)
- cbc.behttps://www.cbc.be/content/dam/particulieren/f-cbc/product/verzekeren/police-vacances-voyages/Police%20CBC%20voyages%20assurance%20assistance%20personnes%20-%20CG%2012%202014.pdf#page=3(opens in a new tab)
- cbc.behttps://www.cbc.be/content/dam/particulieren/f-cbc/product/verzekeren/police-vacances-voyages/Police%20Vacances%20CBC%20-%20FP%2001%202015.pdf#page=2(opens in a new tab)
- cbc.behttps://www.cbc.be/particuliers/fr/assurer/famille/assurance-voyage.html(opens in a new tab)