KBC Insurance NV, trading as KBC Brussels Bank & Insurance

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.

Medical expenses abroad

Medical expenses abroad are covered up to 500,000 euros per person (VIP option: 1,000,000 euros)

Hospitalization and repatriation

Covers hospitalization expenses, repatriation to Belgium, forced extended stays, and transfer of family members if medical emergency occurs

Luggage theft and loss compensation

Covers luggage stolen or lost during travel up to 1,500 euros per person for replacement purchases

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

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

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

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

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)

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

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

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

Pregnancy complications limitation

Complications after second trimester of pregnancy and expenses for childbirth are not covered

Belgium residence requirement

Insured persons must be domiciled and have principal residence in Belgium to be eligible for coverage