KBC Brussels Travel insurance (Travel Medical Continuous)
Underwritten by KBC Verzekeringen NV · Belgium
travel insurance from KBC Brussels for the Belgium market, with online purchase and 24/7 assistance.
Verified Aug 27, 2026 · Terms dated 2016-12Sources
Unique selling points
Personal assistance cover reimburses medical expenses abroad up to 500,000 euros per person, doubled to 1,000,000 euros with the VIP option.
Travel assistance is available 24/7 to help deal with unforeseen expenses if you have an accident or fall ill during your trip.
You can add up to 10 travelling companions to a single policy, even if they don't live with you.
The policy can be fully customised and purchased instantly online via KBC Brussels Touch or the KBC Brussels Mobile app.
Optional luggage cover reimburses up to 1,500 euros per person for stolen or lost belongings, allowing you to buy replacement items.
Coverage limits
Medical expenses abroad
€500K
Medical expenses incurred abroad are reimbursed up to 500,000 euros per insured person; a VIP option doubles this to 1,000,000 euros per person. A 100 euro deductible applies per claim.
Section: Wat is verzekerd? > Verzekering bijstand personen
De medische kosten in het buitenland worden vergoed tot 500 000 euro per persoon.
Emergency medical treatment
Optional
Urgent medical care abroad is covered as part of the personal assistance benefit, within the overall 500,000 euro medical expenses limit per person.
Section: Wat is verzekerd? > Verzekering bijstand personen
Deze verzekering dekt hoofdzakelijk gezondheidsperikelen op reis: ziekte, ongeval, enz. en de ongemakken die daarmee gepaard gaan, zoals hospitalisatie, repatriëring, gedwongen verlengd verblijf, overkomst van familieleden, dringende hulp, enz.
Hospitalization
Optional
Hospitalization costs abroad are covered under the personal assistance benefit, together with forced extended stays and transfer of family members.
Section: Wat is verzekerd? > Verzekering bijstand personen
Deze verzekering dekt hoofdzakelijk gezondheidsperikelen op reis: ziekte, ongeval, enz. en de ongemakken die daarmee gepaard gaan, zoals hospitalisatie, repatriëring, gedwongen verlengd verblijf, overkomst van familieleden, dringende hulp, enz.
Outpatient treatment
Not established from the reviewed documents
Not specifically detailed as a separate benefit in the available sources.
Emergency dental treatment
Not established from the reviewed documents
Not specifically detailed as a separate benefit in the available sources.
Medical transport
Optional
Urgent transport assistance ('dringende hulp') is included under the personal assistance benefit for medical emergencies abroad.
Section: Wat is verzekerd? > Verzekering bijstand personen
Deze verzekering dekt hoofdzakelijk gezondheidsperikelen op reis: ziekte, ongeval, enz. en de ongemakken die daarmee gepaard gaan, zoals hospitalisatie, repatriëring, gedwongen verlengd verblijf, overkomst van familieleden, dringende hulp, enz.
Medical evacuation / repatriation
Optional
Repatriation to Belgium in case of illness or accident is covered under the personal assistance benefit, valid worldwide.
Section: What does travel insurance from KBC Brussels cover? > 1. You end up in hospital in India and have to return to Belgium for treatment
The cover offered by KBC Brussels is valid worldwide and extends to a maximum of 500,000 euros. In addition, members of your family can also be flown back for free if you have to be repatriated.
Repatriation of remains
—
Not specifically detailed as a separate benefit in the available sources.
Search and rescue
Not established from the reviewed documents
Not mentioned in the available sources.
COVID-19 treatment
Not established from the reviewed documents
Not mentioned in the available sources.
Pre-existing conditions
Conditional
Complications from or worsening of a pre-existing illness are only covered if the insured was following the prescribed treatment; otherwise it is excluded.
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
Not established from the reviewed documents
Not specifically mentioned in the available sources.
Adventure / extreme sports cover
Excluded
Participation in extreme outdoor activities where conditions or difficulty pose a potential danger to life (e.g. base jumping, heli-skiing, wreck diving) is excluded from cover.
Section: Wat is niet verzekerd? > Verzekering reisongevallen met extra bescherming
Ongevallen tijdens de deelname aan extreme outdooractiviteiten, bv. basejumpen, heliskiën, wrakduiken, enz;
Pregnancy complications
Conditional
Pregnancy complications are covered up to the end of the second trimester; complications after the second trimester and childbirth expenses are excluded.
Section: Wat is niet verzekerd? > Verzekering bijstand personen
Verwikkelingen bij zwangerschap na de zesde maand en bevallingskosten;
Personal liability
Not established from the reviewed documents
Personal liability abroad is not part of this travel insurance product; it is covered separately under KBC Family Insurance.
Legal assistance (travel disputes)
€50K
Travel disputes cover provides legal assistance for disputes with tour operators, rental companies, repair companies and other service providers, and problems with police or authorities abroad; costs are covered up to 50,000 euros per claim for all insured combined. This cover must always be taken in addition to another cover and cannot be taken out alone.
Section: Wat is verzekerd? > Verzekering reisgeschillen
De kosten zijn verzekerd tot 50 000 euro per schadegeval en voor alle verzekerden samen.
24/7 assistance
Optional
The optional travel assistance (personal assistance) cover is available 24/7 to help with unforeseen expenses if the insured has an accident or falls ill during the trip.
Section: Travel assistance cover
Falling ill or having an accident during your trip can put a damper on things and even herald the end of your holiday. However, travel assistance insurance ensures that you’re prepared for a setback and that you receive 24/7 cover anywhere in the world.
Key conditions
Assistance call deadline
The insured must request assistance immediately at the time of the medical incident; assistance provided without the approval of KBC Brussels is not covered.
Unauthorized treatment
Assistance or treatment arranged without prior approval from KBC Brussels is excluded from cover.
Purchase while abroad
Trips that have already started before the insurance is taken out are not covered, meaning the policy cannot be purchased once travel has begun.
Chronic conditions
Complications or worsening of an existing (chronic) illness are excluded unless the prescribed treatment was being followed.
Pregnancy
Pregnancy complications are covered up to the end of the second trimester; complications after that point and childbirth costs are excluded.
Pre-existing condition exclusions
Coverage for a pre-existing illness applies only if the prescribed treatment for that illness was followed at the time of travel.
Coverage duration limit
For long stays abroad, the personal assistance cover applies only during the first four months of the stay; other covers do not apply to trips longer than four months unless an individual extension is requested.
Direct payment
For the KBC Brussels travel assistance (reisbijstand) insurance, hospitalization costs abroad are typically settled directly with the hospital: according to available information, 'in case of hospitalization, KBC often pays directly to the hospital.' Assistance must be requested and approved in advance by KBC Brussels for the insurer's intervention to apply, and other medical costs incurred are reimbursed to the policyholder afterwards up to policy limits (e.g. medical costs abroad up to €500,000 per person, or €1,000,000 with the VIP formula), subject to any applicable deductible.
Territorial scope
Personal assistance, luggage, cancellation and accident cover apply worldwide; the travel disputes cover only applies to contracts concluded in EU countries and geographic Europe, and elsewhere only if the counterparty can be sued before a Belgian court.
Documents
Policy specifics
Medical expenses abroad
Medical expenses abroad are covered up to 500,000 euros per person (VIP option: 1,000,000 euros)
SourceSection: What is and isn’t covered by your travel assistance insurance? > Covered
Medical expenses abroad up to 500,000 euros per person (VIP option: 1,000,000 euros per person)
Hospitalization and repatriation
Covers hospitalization expenses, repatriation to Belgium, forced extended stays, and transfer of family members if medical emergency occurs
SourceSection: Travel assistance insurance > Covered
Hospitalisation, repatriation, forced extended stays, transfer of family members, etc.
Luggage theft and loss compensation
Covers luggage stolen or lost during travel up to 1,500 euros per person for replacement purchases
SourceSection: What does travel insurance from KBC Brussels cover? > 3. Your luggage gets stolen from your car or hotel room
The travel insurance offered by KBC Brussels will pay compensation of up to 1,500 euros per person if your luggage is stolen, enabling you to buy replacement items.
Travel cancellation cover
Reimburses costs if trip is cancelled or cut short due to medical, professional or personal reasons; must be taken out at least one month before departure
SourceSection: Cancellation cover
If you are forced to cancel your travel plans or cut your trip short due to medical, professional or personal reasons, your cancellation insurance reimburses the additional costs you have to incur or cannot recover in any other way.
Travel disputes and legal assistance
Provides legal assistance and support for disputes with tour operators, rental companies, repair companies, and other service providers; covers police and government authority issues; includes travel for medical purposes
SourceSection: Legal assistance > Covered
Travel disputes cover provides you with legal assistance and support while you are travelling, or in relation to the trip you have booked. The following events are covered: Disputes with tour operators, rental companies, repair companies and other service providers Problems involving police and government authorities abroad
Travel accident insurance with extra protection
Pays compensation for permanent disability (up to 100,000 euros) and death (10,000 euros) resulting from an accident during the trip, plus actual funeral costs up to 10,000 euros
SourcePage 2Section: Wat is verzekerd? > Verzekering reisongevallen met extra bescherming
De maximale vergoeding in geval van blijvende invaliditeit bedraagt 100 000 euro. De vergoeding bij overlijden bedraagt 10 000 euro. We vergoeden ook de werkelijk gemaakte begrafeniskosten tot 10 000 euro.
Pre-existing illness condition
Complications from or worsening of existing illnesses not covered unless treatment was being followed as prescribed; covers medical treatment-related complications only if unplanned
SourceSection: What is and isn’t covered by your travel assistance insurance? > Not covered
Complications related to, or worsening of, an existing illness if you have not followed the treatment prescribed
Extreme outdoor activities exclusion
Not covered if participation in extreme outdoor activities where conditions or difficulty level pose potential danger to life (e.g., base jumping, heli-skiing, wreck diving)
SourceSection: What is and isn’t covered by your travel assistance insurance? > Not covered
Participation in extreme outdoor activities where the conditions or level of difficulty involved pose a potential danger to the insured person’s life (such as base jumping, heli-skiing and wreck diving)
Paid or profitable sports exclusion
Not covered if insured is paid to play a sport or participate in professional/profitable sports including training for such sports
SourceSection: What is and isn’t covered by your travel assistance insurance? > Not covered
Participation in paid or profitable sports (including training for such sports)
Immediate assistance notification requirement
Not covered if insured fails to request assistance immediately at time of medical incident or if assistance is provided without approval of KBC Brussels
SourceSection: Claims not covered
You fail to request assistance immediately at the time or assistance is provided without the approval of KBC Brussels
Medical expenses deductible
100 euros deductible applies to medical expense claims; can be increased to 1,000,000 euros coverage limit with VIP option but deductible remains same
SourceSection: Medical expenses incurred abroad
The deductible in respect of these expenses is 100 euros. If you want to increase your compensation limit to 1,000,000 euros, go for the VIP option. This enables you to double your maximum compensation limit but your deductible remains the same.
Pregnancy complications limitation
Complications after second trimester of pregnancy and expenses for childbirth are not covered
SourceSection: What is and isn’t covered by your travel assistance insurance? > Not covered
Complications occurring after the second trimester of pregnancy, and childbirth expenses
Belgium residence requirement
Insured persons must be domiciled and have principal residence in Belgium to be eligible for coverage
SourceSection: Good to know
The insured persons must reside in Belgium and have their principal residence there.
Sources
- multimediafiles.kbcgroup.euhttps://multimediafiles.kbcgroup.eu/ng/published/KBC/PDF/VERZEKERINGEN/reisverzekering/kbc-polis-voor-uw-reizen-informatiedocument.pdf#page=1(opens in a new tab)
- multimediafiles.kbcgroup.euhttps://multimediafiles.kbcgroup.eu/ng/published/KBC/PDF/VERZEKERINGEN/reisverzekering/kbc-polis-voor-uw-reizen-informatiedocument.pdf#page=2(opens in a new tab)
- kbcbrussels.behttps://www.kbcbrussels.be/retail/en/insurance/family/is-travel-insurance-worth-it.html(opens in a new tab)
- kbcbrussels.behttps://www.kbcbrussels.be/retail/en/insurance/family/travel-assistance.html(opens in a new tab)
- kbcbrussels.behttps://www.kbcbrussels.be/retail/en/insurance/family/travel-insurance.html(opens in a new tab)
KBC Brussels Travel insurance