KBC Insurance NV
KBC
KBC is a travel insurance for the Belgium market with online purchase and 24/7 assistance.
Direct payment
The reviewed sources do not describe a specific direct/cashless payment arrangement for medical providers; the 24/7 assistance centre coordinates hospitalisation and repatriation support.
Geographic scope
Worldwide, for insured persons domiciled in and having their principal residence in Belgium
Worldwide cover with identical reimbursement limits everywhere in the world.
Unique selling points
- Worldwide medical assistance cover uses the exact same reimbursement limits everywhere in the world, so cover doesn't drop outside Europe.
- An optional VIP formula doubles all insured amounts and compensation limits (e.g. medical expenses from 500,000 to 1,000,000 euros) while keeping the deductible unchanged.
- Up to ten insured people can be included on a single policy, which you can tailor by picking only the covers you need.
- A free online simulation checks your existing cover first, so you avoid paying for insurance you already have elsewhere.
- A 24/7 assistance centre (+32 16 24 24 24) handles emergencies worldwide, with claims also reportable through the KBC Mobile app.
Coverage limits
Medical expenses abroad
Covered
Medical expenses incurred abroad are reimbursed up to 500,000 euros per person under the standard formula, or up to 1,000,000 euros per person under the VIP formula; a deductible of 100 euros per claim applies in both cases.
Emergency medical treatment abroad
Covered
Emergency medical treatment costs incurred while travelling abroad fall within the overall medical expenses ceiling of 500,000 euros per person (1,000,000 euros under the VIP formula), subject to a 100 euro deductible.
Hospitalization abroad
Covered
Hospitalisation costs abroad are covered within the same overall ceiling of 500,000 euros per person (1,000,000 euros under the VIP formula), together with forced extended stay, repatriation and the travel of family members.
Outpatient medical treatment abroad
Covered
Outpatient medical costs abroad are reimbursed within the general medical expenses ceiling of 500,000 euros per person (1,000,000 euros under the VIP formula), subject to the 100 euro deductible.
Emergency dental treatment
Not offered
The reviewed sources do not state a separate sub-limit for emergency dental treatment abroad.
Medical transport abroad
Covered
If a return is medically necessary, KBC arranges transport to the insured's home or a hospital in Belgium as well as the return journey, within the overall medical expenses ceiling.
Medical evacuation / repatriation
Covered
Medical repatriation to Belgium (home or hospital) when required for health reasons is included within the overall medical expenses ceiling of 500,000 euros per person (1,000,000 euros under the VIP formula).
Repatriation of mortal remains
Covered
Repatriation is listed among the core benefits of the personal assistance cover (alongside hospitalisation and the travel of family members) within the overall 500,000 euro (1,000,000 euro VIP) ceiling; the sources do not separately break out the mortal-remains scenario.
Search and rescue costs
Not offered
The reviewed sources do not mention a specific search-and-rescue cost benefit.
COVID-19 treatment
Not offered
The reviewed sources do not state a specific COVID-19 treatment benefit or exclusion for this product.
Pre-existing conditions
Conditional
Complications or worsening of an existing illness are covered only if the prescribed treatment was followed; if not, related costs are excluded.
Winter sports cover
Not offered
The reviewed sources do not explicitly confirm or exclude ordinary skiing/snowboarding; only extreme variants such as heli-skiing are explicitly excluded (see adventure sports).
Adventure / extreme sports cover
Excluded
Extreme outdoor activities where the circumstances or degree of difficulty involve a potentially life-threatening risk (base jumping, heli-skiing, wreck diving) are explicitly excluded, as is paid or profit-making sports practice, including training.
Pregnancy complications
Excluded
Complications arising from pregnancy after the sixth month and childbirth costs are explicitly listed among the situations not covered by the personal assistance insurance.
Personal liability abroad
Not offered
The reviewed KBC-Polis voor Uw Reizen sources do not describe a personal liability benefit; liability abroad is typically covered under a separate Belgian familiale (household liability) policy, not under this travel product.
Legal assistance / travel disputes
Optional
An optional Travel Disputes module provides legal help and assistance for disputes with tour operators, landlords, repairers and other service providers, and for problems with police or authorities abroad; the reviewed sources do not state a monetary limit and this module cannot be purchased online.
24/7 assistance
Covered
KBC's assistance centre is reachable 24 hours a day, 7 days a week (+32 16 24 24 24) for emergency travel claims, and claims can also be reported via KBC Mobile.
Key conditions
Chronic conditions
Complications from a chronic or pre-existing illness are covered only if the prescribed treatment for that condition was followed; complications from illnesses that could be considered a normal course of a condition known at booking are excluded.
Pregnancy
Complications arising from pregnancy after the sixth month, and childbirth costs, are not covered by the personal assistance insurance.
Pre-existing condition exclusions
Complications or worsening of an existing illness are covered only if the prescribed treatment was followed; if it was not followed, the resulting costs are excluded.
Coverage duration limit
KBC-Polis voor Uw Reizen is a continuous annual policy covering all trips made during the year and is tacitly renewed unless cancelled at least two months before the main renewal date; a separate temporary single-trip product (KBC-Vakantiepolis) is limited to a maximum of 120 days per trip.
Where to buy
Documents
KBC-Polis voor Uw Reizen - Insurance Product Information Document
ipid
KBC Travel Insurance - coverage overview (Dutch)
benefits_table
KBC Travel Assistance Insurance - coverage details (Dutch)
benefits_table
KBC Travel Insurance product page (English)
other
KBC Travel Insurance product page (French)
other
Policy specifics
Trip Cancellation Insurance
Covers costs of cancelled or curtailed trips due to specified events such as illness, death of family member, or other covered reasons
Medical Expenses Abroad
Covers hospitalization, repatriation, and medical expenses incurred while travelling abroad up to 500,000 euros per person (or 1,000,000 euros with VIP option)
Luggage Insurance
Covers theft, damage or loss of luggage during travel with compensation up to 1,500 euros per person
Travel Assistance Services
24/7 emergency assistance including hospitalization support, repatriation arrangements, transfer of family members, and extended stay accommodation (€100-150 per person per day for max 7 days)
One Month Advance Notice Required for Cancellation Cover
Cancellation cover must be taken out at least one month before the scheduled departure date; no online purchase possible after this deadline
Temporary Coverage Limited to 120 Days per Trip
Temporary travel insurance (KBC Holiday Insurance) is valid for single trips up to a maximum duration of 120 days
Principal Residence Requirement in Belgium
Insured persons must reside in Belgium and have their principal residence there to be eligible for coverage
Pre-existing Condition Exclusion
Not covered: cancellation or interruption due to unstable medical conditions or injuries that existed at the time of booking; complications or worsening of existing illness if prescribed treatment not followed
120-Day Limit Applies to the Separate Temporary Travel Policy, Not This Continuous Policy
KBC also sells a separate single-trip product (KBC-Vakantiepolis) limited to a maximum of 120 days per trip; the continuous KBC-Polis voor Uw Reizen extracted here is an annual policy covering all trips made during the year, without a stated per-trip day limit.