Federale Insurance / Federale Assurance-Verzekering, Mutual Insurance Association
Federale Verzekering
Federale Verzekering is a travel insurance for the Belgium market with no online purchase and 24/7 assistance.
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.
Geographic scope
Coverage applies while traveling abroad (outside Belgium); no specific regional restriction (e.g. Europe-only) is stated in the available sources.
Person assistance (F-Selection) applies abroad during the insured trip; the insured vehicle must be no older than 10 years at subscription.
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
€1,000,000
Only in F-Selection
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.
Emergency medical treatment abroad
Covered
No limit stated
Only in F-Selection
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.
Hospitalization abroad
Covered
No limit stated
Only in F-Selection
Hospitalization abroad is covered under the F-Selection medical costs guarantee; a separate cap is not specified in available sources.
Follow-up medical costs in Belgium
€5,000
Only in F-Selection
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.
Medical transport
Covered
No limit stated
Only in F-Selection, F-Protection
In case of injury or death following a traffic accident with the insured vehicle, transport, return, or medical repatriation is provided.
Medical evacuation / repatriation
Covered
No limit stated
Only in F-Selection
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.
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)
€7,500
Only in F-Selection
If you fall heavily while skiing or snowboarding under the F-Selection formula, search and rescue costs are reimbursed up to €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.
Winter sports cover
€300 – €7,500
Only in F-Selection
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.
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.
Personal liability
No limit stated
Not mentioned in the available sources for this travel assistance product.
Legal assistance abroad
Covered
No limit stated
Only in F-Selection
Additional services abroad include, among others, money transfer, telecommunication costs, and legal assistance.
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.
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.
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.
SourceFollow-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.
SourceMedical stabilization requirement before departure
Insured persons must demonstrate medical stability during 2 months before travel departure
SourceMaximum vehicle age of 10 years
Vehicles must not be older than 10 years for enrollment in travel assistance formulas
SourceFamily coverage under F-Selection formula
In F-Selection formula, children and spouse living under the same roof are automatically covered
SourceWinter sports coverage in F-Selection
F-Selection includes coverage for skiing and snowboarding with rescue and skipass reimbursement benefits
SourceUnderwriting 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.
Source