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 with medical providers; the assistance centre coordinates hospitalisation, repatriation and other emergency support.
Geographic scope
Worldwide, for insured persons domiciled in and having their principal residence in Belgium
Personal assistance, cancellation, baggage and travel accident cover apply worldwide with the same reimbursement limits everywhere; the travel disputes (legal assistance) cover only applies to disputes on contracts concluded in the EU and geographic Europe, and elsewhere only if the counterparty can be sued before a Belgian court.
Unique selling points
- Worldwide medical assistance cover uses the same reimbursement limits everywhere, so cover doesn't drop outside Europe, except for the separate travel disputes module which is limited to EU/Europe.
- An optional VIP formula doubles all insured amounts and compensation limits of the covers you subscribed to (e.g. medical expenses from 500,000 to 1,000,000 euros) while keeping deductibles unchanged.
- Up to ten insured people can be included on a single policy, which you tailor yourself by picking only the covers you need.
- A free online simulation shows what you're already covered for before you buy, so you avoid paying twice for the same protection.
- Personal assistance, baggage and travel accident cover can be purchased online right up to the day before departure, and claims can be reported through the KBC Mobile app around the clock.
Coverage limits
Medical expenses abroad
€500,000 – €1,000,000
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, which doubles all insured amounts of the personal assistance cover; a 100 euro deductible applies in both cases.
Ziektekosten in het buitenland tot 500.000 euro per persoon (Vipformule: 1.000.000 euro per persoon)
Emergency medical treatment abroad
€500,000 – €1,000,000
Emergency medical treatment costs abroad fall within the overall personal assistance ceiling of 500,000 euros per person (1,000,000 euros under the VIP formula).
Section: Wat is verzekerd? > Verzekering bijstand personen
Deze verzekering dekt hoofdzakelijk gezondheidsperikelen op reis: ziekte, ongeval, enz.
Hospitalization abroad
€500,000 – €1,000,000
Hospitalisation abroad is covered within the same overall personal assistance ceiling of 500,000 euros per person (1,000,000 euros VIP), alongside forced extended stay, repatriation and travel of family members.
Section: Wat is verzekerd? > Verzekering bijstand personen
hospitalisatie, repatriëring, gedwongen verlengd verblijf, overkomst van familieleden, dringende hulp, enz.
Outpatient medical treatment abroad
€500,000 – €1,000,000
Outpatient medical costs abroad fall within the general personal assistance ceiling of 500,000 euros per person (1,000,000 euros VIP).
De kosten van een blindedarmoperatie kunnen oplopen tot meer dan 40.000 euro in de Verenigde Staten en Canada.
Emergency dental treatment
Not established from the reviewed documents
The reviewed sources do not state a separate sub-limit or mention for emergency dental treatment abroad.
Medical transport abroad
€500,000 – €1,000,000
If a return is medically necessary, KBC arranges transport to the insured's home or a hospital in Belgium, within the overall personal assistance ceiling of 500,000 euros per person (1,000,000 euros VIP).
Is een terugkeer noodzakelijk door medische redenen? Dan begeleiden we je naar je woning of een ziekenhuis in België.
Medical evacuation / repatriation
€500,000 – €1,000,000
Medical repatriation to Belgium when required for health reasons is included within the overall personal assistance ceiling of 500,000 euros per person (1,000,000 euros VIP); KBC also arranges the return of accompanying insured persons.
We regelen ook de terugreis van andere verzekerden die niet naar huis kunnen terugkeren zoals gepland.
Repatriation of mortal remains
€500,000 – €1,000,000
Repatriation is listed among the core benefits of the personal assistance cover within the overall 500,000 euro (1,000,000 euro VIP) ceiling; the sources do not separately break out a mortal-remains scenario.
Section: Wat is verzekerd? > Verzekering bijstand personen
hospitalisatie, repatriëring, gedwongen verlengd verblijf, overkomst van familieleden, dringende hulp, enz.
Search & rescue
€5,000
Independent overview of KBC's travel assistance cover confirms search and rescue costs are covered up to EUR 5,000 in case of getting lost or going missing, consistent with the official policy wording found in a reproduced KBC 'Algemene voorwaarden' excerpt.
COVID-19 treatment
Conditional
COVID-19 is not treated as a special exclusion for medical assistance abroad: KBC's assistance insurance covers medical costs and repatriation for illness (including COVID-19) as with any other sickness, and KBC uniquely reimburses extra accommodation costs if a traveller must quarantine locally even without a positive test or symptoms. However, epidemics (including COVID-19) are explicitly excluded as a valid reason for trip cancellation under the separate cancellation insurance.
Section: Reisverzekering in tijden van corona > Quarantaine en annulatie
KBC vormt hierop een uitzondering: als je langer dan gepland ter plaatse moet blijven wegens quarantaine
Pre-existing conditions
Conditional
Complications or worsening of an existing illness under the personal assistance cover are excluded only if the prescribed treatment was not followed, implying cover applies when treatment was followed.
Section: Wat is niet verzekerd? > Verzekering bijstand personen
Verwikkelingen of verergeringen van een bestaande ziekte als u de voorgeschreven behandeling niet hebt gevolgd.
Winter sports cover
Covered
A source specifically describing KBC confirms that ordinary skiing or snowboarding accidents are covered under the travel assistance insurance: medical costs resulting from a skiing/snowboarding accident are reimbursed by KBC. Only extreme variants such as heli-skiing remain excluded as dangerous outdoor activities.
Section: Een ongeval tijdens je skivakantie
Medische kosten die het gevolg zijn van je ongeval worden door KBC vergoed.
Adventure / extreme sports cover
Excluded
Participation in extreme outdoor activities (base jumping, heli-skiing, wreck diving) is explicitly excluded from the personal assistance and travel accident covers, as is paid or profit-making sports practice, including training.
Section: Wat is niet verzekerd? > Verzekering bijstand personen
Betaalde of winstgevende sportbeoefening, trainingen inbegrepen; Deelname aan extreme outdooractiviteiten.
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.
Section: Wat is niet verzekerd? > Verzekering bijstand personen
Verwikkelingen bij zwangerschap na de zesde maand en bevallingskosten.
Personal liability abroad
Not established from the reviewed documents
The reviewed KBC-Polis voor Uw Reizen sources do not describe a personal liability benefit within this travel product.
Legal assistance / travel disputes
€50,000
An optional Travel Disputes module covers legal costs up to 50,000 euros per claim for all insured together, for disputes with tour operators, landlords, repairers and other service providers, and for problems with police or authorities abroad. It must always be taken out in addition to another cover in the policy and cannot be subscribed alone, and it can only be purchased via KBC Touch or KBC Mobile, not the general website.
Section: Zijn er dekkingsbeperkingen?
De verzekering reisgeschillen moet altijd in aanvulling op een andere verzekering worden gesloten en kan dus niet alleen worden aangegaan.
Trip cancellation / early return insurance
€12,500
Cancellation or early return costs are reimbursed up to a limit of 12,500 euros per trip for all insured together, for valid reasons such as health issues, death, study/work events, or missed departure. The VIP formula doubles insured amounts across the policy's covers, but the sources do not print a separate doubled ceiling figure for this cover.
Section: Wat is verzekerd? > Annuleringsverzekering
voor het geheel van de kosten geldt er een vergoedingslimiet van 12 500 euro per reis voor alle verzekerden samen.
Baggage insurance
€1,500
Baggage and rented or borrowed travel items are covered up to 1,500 euros per insured person for theft with violence/threat/break-in, sudden accidental damage, and non-delivery or damaged delivery by the transport company; a 100 euro deductible per claim applies. The VIP formula doubles insured amounts across the policy, but no separately printed doubled baggage ceiling was found in the sources.
Section: Wat is verzekerd? > Bagageverzekering
We verzekeren uw bagage én voorwerpen die u op reis huurt of gratis mag gebruiken tot 1 500 euro per verzekerde persoon.
Travel accident - permanent disability
€100,000
If insured under the optional travel accidents cover with extra protection, permanent disability resulting from an accident during the trip is compensated up to a maximum of 100,000 euros.
Section: Wat is verzekerd? > Verzekering reisongevallen met extra bescherming
De maximale vergoeding in geval van blijvende invaliditeit bedraagt 100 000 euro.
Travel accident - death benefit and funeral costs
€10,000
The death benefit under the optional travel accidents cover is 10,000 euros, and actual funeral costs are reimbursed up to a further 10,000 euros.
Section: Wat is verzekerd? > Verzekering reisongevallen met extra bescherming
De vergoeding bij overlijden bedraagt 10 000 euro. We vergoeden ook de werkelijk gemaakte begrafeniskosten tot 10 000 euro.
Extended stay accommodation (forced stay)
€100 – €150
If you must stay longer than planned due to illness or accident, extra stay costs are reimbursed up to 100 euros per day and per person for a maximum of 7 days (150 euros per day under the VIP formula); no benefit applies if the tour operator covers these costs.
De periode is maximaal 7 dagen en het verzekerde bedrag is 100 euro per dag en per persoon.
24/7 assistance
Covered
KBC's travel assistance insurance is available 24 hours a day, 7 days a week to help with unforeseen costs during an accident or illness on a trip, with the same central emergency number (016 24 24 24) used across KBC's assistance services, and claims can also be reported via the KBC Mobile app.
Je reisbijstandverzekering staat 24/7 voor je klaar en helpt je bij onvoorziene kosten.
Key conditions
Chronic conditions
Complications from a chronic or pre-existing illness under the personal assistance cover are covered only if the prescribed treatment for that condition was followed; complications from illnesses considered a normal course of a condition known when the trip or the cancellation cover was concluded are excluded.
SourcePage 1Section: Wat is niet verzekerd? > Verzekering bijstand personen / Annuleringsverzekering
De verwikkelingen of verergeringen van een bestaande ziekte die als een normaal verloop van de ziekte kunnen worden beschouwd.
Pregnancy
Complications arising from pregnancy after the sixth month, and childbirth costs, are not covered by the personal assistance insurance.
SourcePage 1Section: Wat is niet verzekerd? > Verzekering bijstand personen
Verwikkelingen bij zwangerschap na de zesde maand en bevallingskosten.
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.
SourcePage 1Section: Wat is niet verzekerd? > Verzekering bijstand personen
Verwikkelingen of verergeringen van een bestaande ziekte als u de voorgeschreven behandeling niet hebt gevolgd.
Coverage duration limit
For long stays abroad, the personal assistance cover applies only during the first four months of the stay, and the other covers of this policy (cancellation, baggage, travel accident) do not cover trips longer than four months; an individual extension can be requested. A separate temporary single-trip product (KBC-Vakantiepolis) is limited to a maximum of 120 days per trip, but that limit does not apply to this continuous annual policy.
SourcePage 2Section: Zijn er dekkingsbeperkingen?
Wanneer u voor langere tijd naar het buitenland reist, geldt de verzekering bijstand personen gedurende de eerste vier maanden van uw verblijf daar.
Documents
KBC-Polis voor Uw Reizen - Insurance Product Information Document
IPID
KBC Travel Assistance Insurance - coverage details (Dutch)
Table of benefits
KBC Travel Insurance - coverage overview (Dutch)
Table of benefits
KBC Travel Insurance product page (French)
Other document
KBC Travel Assistance Insurance product page (French)
Other document
Policy specifics
Trip cancellation insurance limit
Cancellation or early-return costs are reimbursed up to 12,500 euros per trip for all insured persons together, regardless of the number of trips in the insurance year.
SourcePage 1Section: Wat is verzekerd? > Annuleringsverzekering
voor het geheel van de kosten geldt er een vergoedingslimiet van 12 500 euro per reis voor alle verzekerden samen.
Travel disputes cover is add-on only and app-only to buy
Legal costs for travel disputes are covered up to 50,000 euros per claim, but this cover must always be added to another cover in the policy and cannot be taken out alone; it can only be subscribed via KBC Touch or KBC Mobile, not through the general website.
SourceSouscrire une Assurance litiges dans le cadre de voyages n'est possible que si vous vous connectez à KBC Touch ou à KBC Mobile.
Residence requirement in Belgium
Insured persons must be domiciled in Belgium and have their principal residence there to be eligible for KBC travel insurance
SourceDeductible of 100 euros
A deductible of 100 euros per claim applies to medical expenses coverage under both standard and VIP formulas
SourceAnnual renewal with tacit consent
KBC-Polis voor Uw Reizen is automatically renewed each year unless cancelled; consumer right to cancel anytime from second year onwards
SourceDeductible of 100 euros on baggage claims
A deductible of 100 euros per claim is subtracted from baggage insurance compensation.
SourcePage 2Section: Zijn er dekkingsbeperkingen?
Bij de bagageverzekering wordt de schadevergoeding verminderd met een franchise van 100 euro per schadegeval.
Deductible of 100 euros on medical expenses
A deductible of 100 euros applies to medical costs under the personal assistance cover in both the standard and VIP formulas.
SourceJe eigen aandeel (franchise) in de kosten bedraagt 100 euro.
One month advance notice required for cancellation cover
The cancellation insurance must be taken out at least one month before the scheduled departure date; the personal assistance, baggage and travel accident covers can be taken out online up to the day before departure, but the travel disputes cover cannot be purchased via the website at all.
SourceDe annuleringsverzekering moet je minstens 1 maand voor de afreisdatum afsluiten.
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, subject instead to the four-month rule for the personal assistance cover on long stays.
SourceDan kun je een verzekering afsluiten voor de periode van je reis, met een maximum van 120 dagen.
Maximum of ten insured persons per policy
Up to ten insured people, who do not need to live at the same address, can be included on a single KBC-Polis voor Uw Reizen policy.
SourceJe kunt tot 10 personen opnemen in je verzekering, ook als die niet bij je inwonen.
Sources
- https://multimediafiles.kbcgroup.eu/ng/published/KBC/PDF/VERZEKERINGEN/reisverzekering/kbc-polis-voor-uw-reizen-informatiedocument.pdf#page=1
- https://multimediafiles.kbcgroup.eu/ng/published/KBC/PDF/VERZEKERINGEN/reisverzekering/kbc-polis-voor-uw-reizen-informatiedocument.pdf#page=2
- https://www.reisverzekering-vergelijken.be/verzekeringsmaatschappijen/kbc.html
- https://www.test-aankoop.be/geld/reisbijstandsverzekeringen/dossier/coronavirus
- https://www.waranzverzekeringen.be/nieuws/een-ongeval-tijdens-je-skivakantie