ING Belgium NV/SA
ING
ING is a travel insurance for the Belgium market with online purchase and 24/7 assistance.
Direct payment
Benefits under this contract apply only as a supplement to earlier contracts covering the same risks or to the social security benefits the insured is entitled to. If the insurer pays medical costs incurred abroad directly, the insured must forward the file to their health fund and pass on the health fund's statement and any sums received to the insurer. If the insured has paid the medical costs themselves, the insurer intervenes for these costs after the health fund's contribution has been exhausted, upon presentation of original supporting documents.
Geographic scope
Worldwide for personal assistance (except countries at war); Belgium and geographic Europe (excluding Turkey) for the optional vehicle assistance guarantee.
Persons are covered worldwide, except in countries at war; home assistance applies to the insured's domicile and second residence in Belgium; the optional vehicle assistance guarantee is limited to Belgium and geographic Europe excluding Turkey.
Unique selling points
- 24/7 telephone assistance provided in the insured's own language (French, Dutch, German or English).
- Repatriation is accompanied by a multilingual Belgian medical team that brings its own medical equipment, ensuring it works properly.
- Medical costs incurred abroad are reimbursed up to €100,000 per insured person.
- Once the case file is complete, reimbursement of covered costs is made within 7 working days of receiving the required supporting documents.
Coverage limits
Medical expenses abroad
€100,000
Medical expenses following an illness or accident abroad are reimbursed up to a maximum of €100,000 per insured person, covering medical and surgical fees, doctor-prescribed medicines, hospitalisation costs and locally ordered ambulance/sledge/helicopter transport; a €50 per-person file-handling fee is deducted, and cover applies only after social security and any other applicable insurance have been exhausted.
Emergency medical treatment abroad
Covered
If the insurer's medical team deems it necessary, a doctor is sent to the insured's location abroad to assess the situation and organise the required measures; the related costs fall under the overall €100,000 medical expenses guarantee.
Hospitalisation costs
Covered
Hospitalisation costs incurred abroad are covered within the overall €100,000 medical expenses guarantee; in addition, post-hospitalisation medical costs in Belgium following an accident or illness abroad requiring at least one night's hospital stay (with the insurer doctor's agreement) are covered up to €2,500 per insured person for up to 1 year, after deduction of social security/mutuality reimbursement.
Outpatient medical treatment
Covered
Ordinary medical consultation fees and the related ambulatory pharmaceutical costs incurred following an event abroad are reimbursed within the limits of the contract, even when not requested from the insurer at the time of the facts.
Emergency dental care
€125
Minor dental care following an accident or an acute dental crisis abroad (excluding prostheses) is reimbursed up to a maximum of €125 per insured person.
Local medical transport
Covered
Local transport by ambulance, sledge or helicopter, ordered by a doctor, is covered under the overall medical expenses guarantee.
Medical repatriation / evacuation
Covered
Depending on the severity of the case and in agreement with the treating physician, the insurer organises and pays for the repatriation or medical transport of the sick or injured insured by air ambulance, scheduled flight, helicopter, first-class train or ambulance to a hospital near the insured's home in Belgium, or to the home itself if hospitalisation is not required; for destinations outside Europe and the Mediterranean basin, transport is exclusively by scheduled flight. The decision on the mode of transport always rests with the insurer's medical service, and no specific monetary ceiling is stated.
Repatriation of mortal remains
Covered
In case of death abroad, the insurer organises and pays for the transport of the mortal remains to Belgium, post-mortem treatment and coffining, with the coffin purchase capped at €1,000; alternatively, local burial/cremation costs are covered up to the amount repatriation would have cost, plus hotel costs (max €100/day, max 3 days) for one family member travelling to attend the local funeral.
Search and rescue costs
€7,500
Search and rescue costs incurred to safeguard the life or physical integrity of an insured person are reimbursed up to €7,500 maximum per insured, provided the rescue results from a decision of the locally competent authorities or official emergency services.
COVID-19 treatment
No limit stated
The 2011 edition of the general terms and conditions does not mention COVID-19 or any specific pandemic-related cover.
Pre-existing conditions
Excluded
Chronic illnesses that have caused neurological, respiratory, circulatory, blood or renal disorders are never reimbursed, nor are relapses or convalescence from any diagnosed condition that was not yet stabilised and was being treated before departure and carries a real risk of rapid worsening; mental illnesses already treated before the trip are also excluded.
Winter sports (skiing) cover
€250
Local transport by sledge and/or helicopter is covered for accidents occurring on marked ski slopes; costs are not covered if the accident occurs off-piste without a guide. If the insured's condition requires hospitalisation of more than 24 hours and/or a repatriation organised by the insurer, the insurer reimburses, pro rata for the remaining period, the unused ski pass and/or ski lesson package, up to €250 maximum per claim.
Adventure / dangerous sports cover
Excluded
Cover does not apply to the amateur practice of sports deemed dangerous (aerial sports, combat sports, mountaineering, bobsleigh, ski jumping, skeleton, speleology, steeplechase, rock climbing) nor to motorised competitive sports or any sport practised professionally.
Pregnancy complications
Conditional
Pregnancy-related problems are covered under the general medical expenses guarantee only up to the 26th week of pregnancy; complications arising after the 26th week are excluded from reimbursement.
Personal liability abroad
No limit stated
No personal liability guarantee is described anywhere in the general terms and conditions of this contract.
Legal assistance abroad
€12,500
Following a road traffic accident abroad that leads to criminal prosecution of an insured, the insurer advances the criminal bail demanded by the authorities up to €12,500 maximum per insured, and lawyer's fees up to €1,250 maximum per prosecuted insured; both advances must be repaid to the insurer within 2 months.
24/7 telephone assistance
Covered
The insurer provides a telephone assistance and information service available 24 hours a day, and insureds are helped in their own language (French, Dutch, German or English).
Key conditions
Assistance call deadline
To benefit from the guaranteed benefits, the insured must request the insurer's intervention at the moment the event occurs; medical expenses incurred abroad and vehicle assistance costs are exempted from this immediate-request rule.
Unauthorized treatment
Assistance services that were not requested at the time of the event and that were not carried out by or with the insurer's agreement are excluded from cover; ordinary medical consultation fees and the resulting ambulatory pharmacy costs incurred abroad are nevertheless reimbursed within the contract's limits even without prior request.
Purchase while abroad
Not specified in the policy documents.
Chronic conditions
Chronic illnesses that have caused neurological, respiratory, circulatory, blood or renal disorders are never reimbursed, and mental illnesses already treated before the trip are excluded from cover.
Pregnancy
Pregnancy-related problems are covered under the general medical expenses guarantee only up to the 26th week of pregnancy; complications occurring after the 26th week are excluded from reimbursement.
Pre-existing condition exclusions
Relapses or convalescence from any diagnosed condition that was not yet stabilised and was still being treated before the departure date, and which carries a real risk of rapid worsening, are excluded from cover.
Coverage duration limit
To benefit from the guaranteed benefits, the stay abroad may not exceed 90 consecutive days; events occurring after this 90-day period do not give any right to cover.
Policy specifics
Medical emergency coverage abroad
Emergency medical treatment and hospitalization costs covered while traveling abroad
SourceMaximum medical coverage limit
Medical expenses up to €100,000 per insured person for emergency treatment and medical evacuation
SourceInsurer assistance network requirement
Medical assistance must be arranged through and pre-approved by Inter Partner Assistance before receiving treatment
SourceGeographic coverage area
Coverage available for travel in Europe and worldwide depending on plan selection
Source