Federale Verzekering Travel insurance (F Selection)
Underwritten by Federale Verzekering · Belgium
travel insurance from Federale Verzekering for the Belgium market, with 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2018-05Sources
Key facts
- Federale Verzekering
Unique selling points
F-Selection automatically covers children and spouse living under the same roof, including children away at summer camp.
Winter sports accidents are covered with rescue costs reimbursed up to €7,500 and the ski pass refunded up to €300.
A 24/7 dedicated assistance line operated by Europ Assistance is available for vehicle and person assistance needs.
Depending on the chosen formula, medical expenses abroad can be reimbursed up to €1,000,000.
Follow-up medical treatment costs incurred in Belgium after a foreign medical repatriation are reimbursed up to €5,000.
Coverage limits
Medical expenses abroad
€1M
Depending on the chosen assistance formula, medical expenses abroad can be reimbursed up to €1,000,000; this benefit is only available under the F-Selection formula which includes person assistance.
Section: 1. Il est intéressant de connaître les assurances dont vous disposez déjà ! > 2. Quand devez-vous souscrire une assurance assistance complémentaire ? > En Europe et en dehors de l'Europe
Selon la formule d’assistance choisie, celle-ci couvre non seulement les frais médicaux (jusqu’à 1 000 000 €), mais peut également couvrir le rapatriement, l’assistance au véhicule et le véhicule de remplacement, les tentatives de vol, etc.
Emergency medical treatment abroad
Covered
No limit stated
In case of illness or accident under the F-Selection formula, emergency medical treatment abroad is covered as part of the overall medical costs guarantee.
Section: Wat is er verzekerd?
kan je bij ziekte of ongeval worden gerepatriëerd en worden je medische kosten in het buitenland, vergoed (zie hieronder de vergoedingsplafonds, in functie van de onderschreven bijstand).
Hospitalization abroad
Covered
No limit stated
Hospitalization abroad is covered under the F-Selection medical costs guarantee; a separate cap is not specified in available sources.
Section: Wat is er verzekerd?
kan je bij ziekte of ongeval worden gerepatriëerd en worden je medische kosten in het buitenland, vergoed (zie hieronder de vergoedingsplafonds, in functie van de onderschreven bijstand).
Follow-up medical costs in Belgium
€5K
Medical costs incurred in Belgium can be reimbursed up to €5,000 if incurred within the 3 months following repatriation after a medical incident abroad.
Section: Qu'est-ce qui est couvert ?
Vous pouvez également être indemnisé (à concurrence de 5.000 EUR) pour vos frais médicaux en Belgique durant les 3 premiers mois suivant votre rapatriement à la suite d’un incident médical survenu à l’étranger.
Medical transport
Covered
No limit stated
In case of injury or death following a traffic accident with the insured vehicle, transport, return, or medical repatriation is provided.
Section: Wat is er verzekerd?
In geval van kwetsuren of overlijden als gevolg van een verkeersongeval met het verzekerde voertuig worden ook het vervoer, terugkeer of medische repatriëring voorzien.
Medical evacuation / repatriation
Covered
No limit stated
Under F-Selection, in case of illness or accident, the insured person can be repatriated; a specific monetary cap is not stated in available sources.
Section: Qu'est-ce qui est couvert ?
Si vous optez pour une formule (F-Selection) incluant l’assistance aux personnes, vous pouvez, en cas de maladie ou d’accident, vous faire rapatrier et être indemnisé pour vos frais médicaux à l'étranger
Repatriation of remains
No limit stated
Not specifically detailed with a monetary value in the available sources beyond general repatriation coverage in case of death following a traffic accident.
Search and rescue costs (skiing/snowboarding)
€7.5K
If you fall heavily while skiing or snowboarding under the F-Selection formula, search and rescue costs are reimbursed up to €7,500.
Section: Op wintersport?
De eventuele opsporings- en reddingskosten worden vergoed, tot € 7 500.
Pre-existing conditions
Excluded
All claims or illnesses that existed before or at the start of the insurance, or at the moment of departure on the trip, and their consequences, are excluded.
Section: Qu'est-ce qui n'est pas couvert ? Y a-t-il des restrictions ?
Tout sinistre ou maladie existant avant ou au moment de la prise d'effet de l'assurance, ou au moment du départ en voyage, ainsi que leurs conséquences
Winter sports cover
€300 – €7.5K
F-Selection includes coverage for skiing and snowboarding: search/rescue costs reimbursed up to €7,500, and the ski pass reimbursed up to €300 in case of repatriation or hospitalization of more than 48 hours.
Section: Op wintersport?
De eventuele opsporings- en reddingskosten worden vergoed, tot € 7 500. En je skipas wordt terugbetaald (tot € 300) bij repatriëring of hospitalisatie van meer dan 48u.
Adventure/extreme sports cover
No limit stated
Not specifically confirmed for this product in the available sources.
Pregnancy complications
No limit stated
Not specifically mentioned; only contraception is explicitly excluded from person assistance.
Section: Qu'est-ce qui n'est pas couvert ? Y a-t-il des restrictions ?
Pour l'assistance aux personnes : les opérations et traitements esthétiques (sauf s'ils sont médicalement nécessaires), les cures, régimes, la contraception, les frais optiques, les vaccins, ...
Personal liability
No limit stated
Not mentioned in the available sources for this travel assistance product.
Legal assistance abroad
Covered
No limit stated
Additional services abroad include, among others, money transfer, telecommunication costs, and legal assistance.
Section: Wat is verzekerd? > BIJKOMENDE DIENSTEN IN HET BUITENLAND
BIJKOMENDE DIENSTEN IN HET BUITENLAND (onder andere transfer van geld, telecommunicatiekosten, juridische bijstand,….)
24/7 assistance line
Covered
Federale Verzekering offers a choice of assistance formulas available 24/7 at +32 2 509 0800, provided by Europ Assistance.
Section: Verzeker je voertuigen
biedt Federale Verzekering jou de keuze uit meerdere formules voor je bijstand (beschikbaar 24/7 op +32 2 509 0800), verzorgd door Europ Assistance.
Key conditions
Assistance call deadline
Not explicitly specified in the available sources; the 24/7 assistance line (+32 2 509 0800) should be contacted as soon as an incident occurs.
Unauthorized treatment
Not explicitly specified in the available sources.
Purchase while abroad
Not explicitly specified in the available sources.
Chronic conditions
Not explicitly specified separately from the pre-existing conditions exclusion.
Pregnancy
Contraception costs are explicitly excluded from person assistance; pregnancy complications are not separately addressed.
Pre-existing condition exclusions
All claims or illnesses existing before or at the start of the insurance, or at the moment of departure, and their consequences, are excluded from cover.
Coverage duration limit
Not explicitly specified in the available sources; the F-Selection formula is described as protecting the insured throughout the year.
Direct payment
Not explicitly detailed in publicly available Federale materials. The travel/personal assistance cover (F-Selection) is underwritten and operationally managed by Europ Assistance Belgium, which organizes and bears the risk for the assistance services provided; specific cashless/direct-payment guarantees for hospitals are not separately published for this product.
Territorial scope
Person assistance (F-Selection) applies abroad during the insured trip; the insured vehicle must be no older than 10 years at subscription.
Documents
General Terms and Conditions (Dutch) (opens in a new tab)
Terms & conditions · PDF
General Terms and Conditions (French) (opens in a new tab)
Terms & conditions · PDF
IPID F-Selection (Dutch) (opens in a new tab)
Product information sheet · PDF
IPID F-Selection (French) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Ski pass reimbursement
The ski pass is reimbursed up to €300 in case of repatriation or hospitalization of more than 48 hours under the F-Selection formula.
SourceSection: Op wintersport?
En je skipas wordt terugbetaald (tot € 300) bij repatriëring of hospitalisatie van meer dan 48u.
Follow-up medical costs in Belgium after repatriation
Medical costs incurred in Belgium within 3 months following a repatriation triggered by a medical incident abroad are reimbursed up to €5,000.
SourceSection: Qu'est-ce qui est couvert ?
Vous pouvez également être indemnisé (à concurrence de 5.000 EUR) pour vos frais médicaux en Belgique durant les 3 premiers mois suivant votre rapatriement à la suite d’un incident médical survenu à l’étranger.
Medical stabilization requirement before departure
Insured persons must demonstrate medical stability during 2 months before travel departure
SourceSection: Wat is er niet verzekerd? Zijn er beperkingen?
De verzekerde personen moeten gedurende 2 maanden voor het vertrek op reis medische stabiliteit aantonen.
Maximum vehicle age of 10 years
Vehicles must not be older than 10 years for enrollment in travel assistance formulas
SourceSection: Waar dient u op te letten?
Bij onderschrijving van één van onze bijstandsformules, mag je voertuig niet ouder dan 10 jaar zijn
Family coverage under F-Selection formula
In F-Selection formula, children and spouse living under the same roof are automatically covered
SourceSection: En je familie?
In de formule F-Selection is je kinderen en je echtgeno(o)t(e) mee verzekerd als ze onder hetzelfde dak wonen.
Winter sports coverage in F-Selection
F-Selection includes coverage for skiing and snowboarding with rescue and skipass reimbursement benefits
SourceSection: Op wintersport?
Deze waarborgen zijn ook opgenomen in de formule F-Selection.
Underwriting insurer is Europ Assistance Belgium
Federale Verzekering acts as distributor of this product, while the risk-carrying insurer is Europ Assistance Belgium, a Belgian branch of Europ Assistance SA (France), regulated by the National Bank of Belgium.
SourceSection: Wettelijke bepalingen
Distributeur: Federale Verzekering, Onderlinge Verzekeringsvereniging, BTW BE 0403.274.332, RPR Brussel, verzekeringsmaatschappij toegelaten onder de code 124
Sources
- new.federale.behttps://new.federale.be/docs/default-source/default-document-library/ipid/2126119-10-(ipid-f-selection-nl).pdf#page=1(opens in a new tab)
- federale.behttps://www.federale.be/fr/particulier/votre-famille/voyages/assistance-voyages(opens in a new tab)
- federale.behttps://www.federale.be/fr/plus-d-info/prendre-des-assurances-en-vacances(opens in a new tab)
- federale.behttps://www.federale.be/nl/particulieren/jouw-familie/reizen/reisbijstand(opens in a new tab)
- federale.behttps://www.federale.be/nl/particulieren/mobiliteit(opens in a new tab)