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Feature / category	Protections Travel Insurance May 9, 2026 Open details	AXA May 9, 2026 Open details	Belfius Direct Assurances May 9, 2026 Open details	Ethias May 9, 2026 Open details
Overview
Insurer	AG Insurance NV	AXA Belgium SA	Belfius Insurance SA	Ethias SA
Online purchase	Yes	No	Yes	Yes
24/7 helpline	Yes	Yes	Yes	Yes
Starting price	€3	—	—	€100
Billing basis	per_trip	annual	annual	annual
Unique selling points	Unlimited medical expense coverage abroad (after social security deduction) for VIP and annual policies — well above the typical EUR 5,000 ceiling of mutuality/credit-card policies. 24/7 emergency assistance helpline (+32 2 286 31 47) operated by Touring NV with on-site doctor dispatch capability for medical incidents abroad. Adventure and winter sports covered automatically when organised by a recognised professional body — no separate add-on required for activities such as deep-sea diving, alpinism, paragliding and off-road driving. Annual policy covers all trips during the year (up to 95 consecutive days per trip, extendable) including a studentenjob or post-study travel period — one single policy for unlimited travel occasions. Pre-existing stable conditions covered under the 01/07/2023 T&Cs if confirmed as stable by the treating physician at departure — broader than the standard blanket exclusion applied by many competitors.	Medical expenses covered up to EUR 1,250,000 per insured per claim worldwide – far above statutory minimums – with just a EUR 50 deductible. Full repatriation costs entirely covered with on-site medical dispatch when needed, organised 24/7 by Inter Partner Assistance (AXA Group). Free 24/7 online medical consultation with Belgian doctors via 'Doctors Online by AXA' – included for all Students Travel policyholders. Coverage extended to road traffic accidents and accidents during paid student jobs or fixed-term employment not covered by workers' compensation – a standout inclusion for working students. Family bedside visit covered up to EUR 125/night for up to 10 nights if hospitalisation exceeds 5 days – travel and accommodation for one parent fully organised and reimbursed.	Medical expenses abroad covered up to EUR 1,000,000 per insured per trip, far exceeding typical market limits, with direct hospital advance payment capability. Bicycle assistance included as standard in the base personal assistance guarantee, covering breakdowns, accidents, and theft throughout all of geographical Europe. 24/7 assistance center reachable at all times, with an optional medical teleconsultation service available Monday to Saturday for medical advice without requiring an in-person consultation. Optional Boost formula doubles all reimbursement ceilings and monetary advances, and adds post-repatriation medical cost coverage in Belgium up to EUR 7,000 for conditions contracted abroad. Covers the entire household (policyholders, partner, dependents, and minor grandchildren travelling together) under a single annual policy with no per-trip declaration required.	Up to €500,000 medical expenses reimbursement per insured per event abroad — one of the highest limits in the Belgian market for a standard annual assistance policy. Automatic family coverage: the entire household (including children of any age domiciled in Belgium) is covered whether traveling together or separately, with no per-person surcharge. 24/7 Ethias Assistance helpline operated by IMA BENELUX, capable of organizing direct advance payment to foreign hospitals so the insured never needs to pay out-of-pocket upfront. No deductible (franchise) applies to any assistance service or medical reimbursement under this policy. Winter sports accidents covered as standard (helicopter/sled rescue and unused ski-pass reimbursement up to €125) without requiring an additional premium or special endorsement.
IPID	IPID	IPID	IPID	IPID
Terms & conditions	Terms & conditions 1 Terms & conditions 2 Terms & conditions 3	Terms & conditions	Terms & conditions 1 Terms & conditions 2	Terms & conditions 1 Terms & conditions 2 Terms & conditions 3
Coverage
Medical expenses	Covered	€1,250,000	Not available	€500,000
Medical transport	Covered	Covered	Not available	Covered
COVID-19 treatment	Excluded	COVID-19 is classified as a disease (illness) and would be covered under the medical expenses clause up to EUR 1,250,000, subject to the EUR 50 deductible and the general exclusions of the Assistance guarantee in the base Daylife Protect conditions. Explicit COVID-19 coverage is not called out separately in the extension.	Not available	COVID-19 is not explicitly mentioned as a separate exclusion or inclusion. General medical coverage applies for illness abroad including infectious diseases. In the event of a WHO-declared pandemic causing border closures on the 90th day of a trip, the 90-day coverage period is extended by 30 additional days (up to 120 days total).
Personal liability	€125,000	Excluded	Not available	Excluded
Emergency dental	€500	—	Not available	€125
Search & rescue	€12,500	Not offered	Not available	€6,250
Legal assistance	€1,250	Excluded	Not available	€12,500
Emergency medical treatment	€1,000,000	€1,250,000	Not available	€500,000
Hospitalization	€1,000,000	€1,250,000	Not available	€500,000
Outpatient treatment	€1,000,000	€1,250,000	Not available	€1,250
Medical evacuation	Covered	Covered	Not available	Covered
Repatriation of remains	€1,500	Covered	Not available	€750
Pre existing conditions	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).	Excluded	Not available	Excluded
Winter sports cover	Covered	Optional	Not available	€125
Adventure sports cover	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.	Optional	Not available	Excluded
Pregnancy complications	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.	Covered	Not available	Pregnancy is not covered as a standard physiological state; costs for diagnosis or treatment of pregnancy are excluded unless there is a clear and unforeseeable complication. Normal pregnancy is not grounds for repatriation. Childbirth costs and voluntary termination of pregnancy are explicitly excluded. Only in case of a clear and unforeseeable complication are medical costs and potential repatriation covered.
Medical expenses abroad	Not available	Not available	€1,000,000	Not available
Emergency medical evacuation	Not available	Not available	Covered	Not available
Repatriation	Not available	Not available	Covered	Not available
Search rescue costs	Not available	Not available	€7,500	Not available
Baggage loss theft	Not available	Not available	Optional	Not available
Trip cancellation	Not available	Not available	Excluded	Not available
Trip interruption	Not available	Not available	Covered	Not available
Vehicle assistance belgium	Not available	Not available	Covered	Not available
Vehicle assistance abroad	Not available	Not available	Optional	Not available
Bicycle assistance	Not available	Not available	Covered	Not available
Dental care abroad	Not available	Not available	€250	Not available
Legal assistance abroad	Not available	Not available	Covered	Not available
Cash advance abroad	Not available	Not available	€2,500	Not available
Visitor to hospitalized	Not available	Not available	Covered	Not available
Ski pass refund	Not available	Not available	€250	Not available
Pet care abroad	Not available	Not available	€65	Not available
Psychological assistance	Not available	Not available	Covered	Not available
Home assistance belgium	Not available	Not available	Covered	Not available
Boost formula	Not available	Not available	Optional	Not available
Rental vehicle damage	Not available	Not available	Optional	Not available
Document replacement abroad	Not available	Not available	Covered	Not available
Key conditions
Assistance call deadline	In emergencies abroad, the insured must contact Touring (+32 2 286 31 47, 24h/7) as a priority. Touring and/or the agent must be notified within 24 hours of a claim event, except in cases of force majeure. All costs and assistance services are only reimbursable if previously authorised by Touring or the agent.	The extension does not specify an explicit call deadline before seeking treatment; however, the base Daylife Protect assistance conditions apply. Assistance services must be contacted to organise repatriation and other logistics.	Not available	Assistance must be requested during the trip directly through Ethias (Assistance phone line 24/7). Services not requested or organized by or with the agreement of Ethias during the trip do not give rise to retroactive reimbursement or compensation.
Purchase while abroad	Already-started trips cannot be insured. The travel assistance policy must be taken out at the latest on the day before departure and must cover the entire duration of the trip from the day of departure from the place of residence to the day of return. For the annual policy, coverage for other warranties begins at 0:00 on the departure date and ends at 24:00 on the return date as stated in the confirmation document.	The Students Travel extension must be subscribed before departure or as part of the Daylife Protect contract. Purchasing while already abroad is not confirmed as possible in the official sources.	Not available	The policy cannot be purchased while already abroad. Coverage starts on the day following payment of the first premium and no earlier than the date stated in the special conditions.
Chronic conditions	Acute or chronic use of drugs, alcohol or substances not prescribed by a doctor constitutes a general exclusion. For travel assistance, existing chronic diseases are generally excluded unless an external cause produced a sudden change in the disease picture, or there is no causal link with the claim. For cancellation, chronic serious diseases are covered if there was no medical contraindication to travel at the time of booking and contract conclusion.	Chronic diseases are not explicitly addressed in the Students Travel extension. The general exclusions of the base Daylife Protect assistance apply, which typically exclude pre-existing or chronic conditions known at time of departure.	Not available	Costs related to the continuation of treatment of a previously known illness are not covered. Relapses of a disease contracted before departure abroad or mental illnesses that were already under treatment are explicitly excluded from reimbursement.
Pregnancy	Pregnancy is not considered an illness. Pregnancy complications are excluded from travel assistance from 28 weeks of pregnancy onwards. For cancellation, serious unexpected pregnancy complications are a covered event. Trips planned in the last 12 weeks of pregnancy where the pregnancy was unknown at booking may be covered for cancellation. Voluntary termination of pregnancy is always excluded.	Pregnancy and pregnancy-related medical costs are not explicitly covered or excluded within the Students Travel extension document. Coverage would depend on the base Daylife Protect assistance conditions and applicable exclusions.	Not available	Normal pregnancy is not covered. Costs for diagnosis or treatment of pregnancy are excluded unless there is a clear and unforeseeable complication. Childbirth costs and voluntary termination of pregnancy are excluded. Repatriation is not granted for pregnancy states unless a clear and unforeseeable complication arises.
Unauthorized treatment	Costs and assistance services not requested from or organised/authorised by Touring give no right to any reimbursement. If the insured refuses or delays a medically approved repatriation, cost coverage lapses from the moment of Touring doctor's approval. Failure to comply with obligations allows the insurer to reduce the indemnity by the amount of the prejudice suffered.	The base Daylife Protect assistance exclusions remain applicable. Treatment taken without prior authorisation from or coordination by Inter Partner Assistance may not be covered, particularly for repatriation and organised assistance services.	Not available	Medical costs and assistance services organized without prior approval from Ethias are not reimbursable. Reimbursement of custom duties, taxi and hotel costs incurred without prior approval of Ethias are also excluded.
Pre existing conditions	Pre-existing conditions are generally excluded from travel assistance. Exceptions apply when an external cause produced a sudden change in the illness picture, or when there is no causal link with the claim. Under the 01/07/2023 T&Cs, a pre-existing illness is covered if stable at departure (no change in para-medical treatment, no hospitalisation, no worsening, and no medical contraindication per a doctor's report). For cancellation, pre-existing conditions are covered if the treating physician confirms no contraindication to travel at booking and contract conclusion.	Pre-existing conditions are not covered under the Students Travel extension. The general exclusions of the base Daylife Protect assistance conditions continue to apply, which typically exclude conditions known prior to departure.	Not available	Pre-existing conditions are explicitly excluded. No coverage for medical situations or conditions known before insurance inception, including continuation of prior treatment, relapses of a disease contracted before departure, or conditions that resulted in hospitalization within the last 6 months or at least 3 relapse episodes with hospitalization in the last 2 years.
Coverage duration limit	For temporary policies (single-trip): maximum 30 days coverage. For annual policies: maximum 95 consecutive days per trip, extendable by additional 30-day periods upon payment of extra premium, up to a maximum of 1 year total. If the insured must extend their stay for medical reasons, or if the validity period is exceeded due to unforeseen travel delay, the insurance remains in force without extra premium until the first possible return, maximum 31 days.	The Students Travel extension is valid for a maximum continuous period of 12 months abroad. The contract is concluded for one year with tacit renewal; the Students Travel extension terminates automatically after one year.	Not available	For stays abroad exceeding 90 consecutive days, coverage under the annual formula applies only to incidents occurring within the first 90 days of the stay. This limit is extended to 120 days if a WHO-declared pandemic results in border closures on the 90th day. For stays beyond 90 days (or 120 in case of pandemic), the temporary policy must be used.
Proof and next steps
Direct payment policy	The insurer can advance guaranteed costs to the doctor or hospital abroad upon request. Costs below EUR 150 are never advanced. Reimbursement occurs after deduction of social security reimbursements; Touring pays the net balance after health fund intervention, on presentation of their statement and photocopies of original invoices.	AXA reimburses eligible medical expenses after the fact (indemnity basis) subject to the EUR 50 deductible. Repatriation costs are fully covered and organised directly by AXA. There is no confirmed direct-billing network for routine medical treatment abroad.	Medical expenses abroad: insurer advances hospitalization costs to hospital directly if necessary; the insured must reimburse the portion received from their mutual health insurance within 2 months of receiving invoices. For other expenses, the insured advances costs and is reimbursed on presentation of original receipts. Assistance services must be pre-authorized by the assistance center; unauthorized services are not reimbursed except in force majeure cases (ambulance, police towing).	Ethias can pay medical costs either as a direct advance to foreign doctors or hospitals abroad, or reimburse the insured upon return to Belgium on presentation of original supporting documents. All repatriation and medical assistance must be pre-approved by Ethias; services organized without prior approval are not reimbursable.
Last verified	May 9, 2026	May 9, 2026	May 9, 2026	May 9, 2026