Belfius Direct Assurances
Belfius Direct Assurances est une Assurance voyage pour le marché de BE avec achat en ligne et assistance 24/7.
Paiement direct
Frais médicaux à l'étranger : l'assureur avance si nécessaire les frais d'hospitalisation directement à l'hôpital ; l'assuré doit rembourser la part reçue de sa mutuelle dans les 2 mois suivant la réception des factures. Pour les autres frais, l'assuré avance les coûts et est remboursé sur présentation de justificatifs originaux. Les services d'assistance doivent être préalablement autorisés par la centrale d'assistance ; les services non autorisés ne sont pas remboursés sauf en cas de force majeure (ambulance, remorquage par la police).
Geographic scope
worldwide
Assistance aux personnes: worldwide except excluded territories (North Korea, Iran, Syria, Venezuela, Belarus, Crimea, Russia, Myanmar, Afghanistan, Ukrainian regions annexed by Russia). Vehicle assistance: all countries on international motor insurance certificate not expressly deleted. Bicycle assistance: geographical Europe only. Coverage abroad limited to first 90 days of stay.
Avantages distinctifs
- Frais médicaux à l'étranger couverts jusqu'à 1.000.000 EUR par assuré et par voyage, bien au-delà des limites habituelles du marché, avec possibilité d'avance directe des frais à l'hôpital.
- Assistance vélo incluse en standard dans la garantie de base d'assistance aux personnes, couvrant les pannes, accidents et vols dans toute l'Europe géographique.
- Centrale d'assistance joignable 24h/24 à tout moment, avec un service optionnel de téléconseil médical disponible du lundi au samedi pour des conseils médicaux sans consultation physique requise.
- La formule Boost optionnelle double tous les plafonds de remboursement et avances monétaires, et ajoute la prise en charge des frais médicaux post-rapatriement en Belgique jusqu'à 7.000 EUR pour des affections contractées à l'étranger.
- Couvre l'ensemble du ménage (preneur d'assurance, partenaire, personnes à charge et petits-enfants mineurs voyageant ensemble) sous une seule police annuelle sans déclaration par voyage requise.
Limites de couverture
Medical Expenses Abroad
Covered
Up to EUR 1,000,000 per insured per trip abroad, after deduction of EUR 50 deductible per claim per insured and after deduction of mutual health insurance reimbursement. Limited to EUR 1,250 if insured is not affiliated with Belgian mutual health insurance or not in compliance. Minimum threshold: expenses under EUR 20 after mutual deduction are not reimbursed. Includes: medical and surgical fees, prescribed medications, urgent dental care (max EUR 250/insured), physiotherapy (max EUR 125/insured, in APP-NORMALE T&C), hospitalization, local ambulance, hotel stay extension on medical prescription (max EUR 125/night, max 10 nights).
Emergency Medical Evacuation
Covered
Organization and coverage of transport or repatriation of the sick or injured insured from the location of immobilization to their home or the nearest/best-equipped hospital. Decision on repatriation, transport mode, and hospital belongs exclusively to the insurer's medical service in agreement with the treating physician on site. Transport by medical aircraft, economy class airplane, ambulance, or other appropriate means.
Repatriation
Covered
Coverage during first 90 days of travel abroad. Organization and coverage of repatriation to Belgium in case of illness or accident preventing continuation of travel. Also covers repatriation of mortal remains in case of death abroad, including post-mortem treatment and coffin costs up to EUR 750 per deceased insured (APP-NORMALE T&C), or up to EUR 1,500 (Belfius Direct IPID for older product). Repatriation of accompanying insured persons also covered.
Search Rescue Costs
Covered
Maximum EUR 7,500 per insured per claim for costs of official search and rescue services. In ski accident context (APP-NORMALE T&C): frais de recherche at EUR 7,500 per insured. In older Belfius Direct product (BDAS_01072023): ski search and rescue costs up to EUR 10,000 per claim per insured. Conflict: EUR 7,500 (APP-NORMALE/new IPIDs) vs EUR 10,000 (older BDAS T&C for ski). Applying EUR 7,500 as confirmed by more recent sources.
Baggage Loss Theft
Optional
Optional baggage insurance. Maximum EUR 3,750 for the insured or per contract (older IPID); APP-NORMALE T&C states amount per conditions particulières. EUR 100 deductible per claim. Covers theft, total or partial damage by third parties or accident, and loss during transport by a professional carrier. Minimum trip duration: 3 nights in Belgium or 1 night abroad. Depreciation applied at 10% per year started. Each individual item capped at 30% of total insured amount (older IPID). Delayed baggage (air travel only, 6h+ delay): up to EUR 125 for clothing/toiletry purchases. Replacement of stolen identity documents: up to EUR 250 per trip.
Trip Cancellation
Excluded
Trip cancellation is not covered by this base travel assistance product. A separate Mastercard cancellation coverage may exist for Belfius Mastercard Gold (Star) cardholders under specific conditions.
Trip Interruption
Covered
Early return covered in case of: unexpected death or hospitalization (>5 days) of a family member up to second degree or indispensable business partner in Belgium; death of accompanying pet; serious damage to home (fire, water damage, storm, hail, explosion, burglary). Transport for one insured to return home and then rejoin place of stay (return to stay within 15 days).
Vehicle Assistance Belgium
Covered
Base coverage: vehicle and passenger assistance in Belgium in case of breakdown, accident, vandalism or theft of vehicle or bicycle. Includes: towing, dispatch of mechanic, transport of occupants to home or destination, assistance from insured's domicile. Replacement vehicle (max cat. B) for max 5 consecutive days or mobility budget up to EUR 200 (older product); APP-NORMALE: Mobilité Start formula is standalone vehicle coverage, Mobilité Go adds cat. B replacement vehicle in Belgium for max 7 consecutive days or mobility budget max EUR 85/day.
Vehicle Assistance Abroad
Optional
Optional extension for vehicle assistance abroad (European countries listed in general conditions). Includes: towing to nearest qualified garage, hotel costs up to EUR 125/night while waiting for repairs, repatriation of vehicle if not repairable within 3 working days, replacement vehicle (max cat. B) for max 5 days abroad or max 7 days (APP-NORMALE Mobilité Start), or travel continuation budget up to EUR 325 (older product) or EUR 450 (APP-NORMALE). In case of theft abroad: replacement vehicle for max 5 days from date of police report.
Bicycle Assistance
Covered
Included in base personal assistance coverage. Covers immobilization of bicycle due to breakdown (mechanical, battery, lighting, flat tire, locked padlock, lost padlock key), accident, or theft throughout geographical Europe. Maximum 3 interventions per insurance year. Not covered within 1 km of home or temporary residence. Replacement bicycle for max 5 days or mobility budget up to EUR 200. Psychological support after bicycle accident: max 5 sessions.
Dental Care Abroad
Covered
Urgent dental care abroad covered up to EUR 250 per insured per claim, as part of medical expenses coverage.
Legal Assistance Abroad
Covered
Advance of criminal bail bond up to EUR 12,500 per insured, and advance of lawyer fees up to EUR 1,250, in case of judicial proceedings abroad following an accident. Must be reimbursed within 3 months (bail) or 30 days (lawyer fees). No coverage for judicial follow-up in Belgium of actions initiated abroad.
Cash Advance Abroad
Covered
Emergency cash advance up to EUR 2,500 if insured needs money urgently following an insured event abroad, provided equivalent is deposited with insurer in Belgium first.
Visitor To Hospitalized
Covered
If insured travels alone and is hospitalized for more than 5 days (or minor under 18 whose parents are not present): coverage of round-trip transport for one family member from their home to hospital bedside, plus hotel costs for visitor up to EUR 125 per night per room for maximum 10 nights, plus local transport costs between hotel and hospital up to EUR 325 (older product specific).
Ski Pass Refund
Covered
Refund of unused ski pass (and ski/diving lessons) balance if trip is interrupted or insured physically unable to continue due to illness or accident. Maximum EUR 250 per insured. In Boost formula: extended to surf, kitesurf, golf, tennis abroad, with maximum EUR 500 per insured.
Pet Care Abroad
Covered
Veterinary costs for accompanying pet (dog or cat) in case of illness or accident abroad, up to EUR 65 per claim (APP-NORMALE T&C). Older product (BDAS): EUR 75 per claim. Applying EUR 65 as per more recent APP-NORMALE source.
Psychological Assistance
Covered
5 sessions with specialist psychologist (up to 1 hour each) in Belgium after serious psychological shock due to death of a close person, traffic accident, assault, car-jacking, or home-jacking. Psychologist contacts insured within 24 hours of first call. If abroad: sessions by telephone.
Home Assistance Belgium
Covered
If insured is hospitalized in Belgium for minimum 48 hours: home help (cleaning person) up to EUR 125; childcare for children under 16 in household up to EUR 125; pet care (dog or cat) up to EUR 100; care for handicapped co-insured up to EUR 125 transport costs.
Boost Formula
Optional
Optional extension doubling all reimbursement ceilings, monetary advances, and expenses covered by the personal assistance guarantee. Additionally: coverage of medical costs in Belgium prescribed by a doctor during the first 3 months following repatriation from abroad (up to EUR 7,000 after mutual deduction); extension of leisure activity refund to surf, kitesurf, golf and tennis abroad (max EUR 500 per insured).
Rental Vehicle Damage
Optional
Coverage of material damage to or theft of rental vehicle (from recognized rental company) during rental period. Reimbursement of the deductible provided for in the rental contract (after any complementary franchise reduction coverage). Maximum EUR 4,000 per insurance year (Mobilité Start and Go formulas); EUR 7,000 (Mobilité Go+). Franchise of EUR 50 per claim applies. Valid for rentals up to 31 days.
Document Replacement Abroad
Covered
In case of loss or theft of travel documents (ID card, passport, driving licence, vehicle registration, visa) abroad: insurer provides coordinates of nearest Belgian embassy/consulate and reimburses administrative replacement costs up to EUR 125 (APP-NORMALE) or EUR 250 per trip for identity documents (older BDAS product). Older BDAS product also includes replacement of transport tickets on advance from insured.
Conditions clés
maximum_trip_duration
90 days
geographical_exclusions
Countries under government-issued general travel ban or non-essential travel restriction, war zones, and specific permanently excluded countries: Syria, Crimea, Venezuela, Belarus, Iran, North Korea, Russia, Myanmar, Afghanistan, Ukrainian regions annexed by Russia.
pre_existing_conditions_exclusion
No coverage for known pre-existing medical conditions at departure that are in treatment phase and present a real risk of rapid deterioration, or not yet consolidated for at least 2 months before travel (APP-NORMALE). Relapse or aggravation of previously known illness also excluded.
trip_cancellation_not_covered
Trip cancellation is not covered under the base Assistance insurance. A separate Mastercard cancellation coverage may be available for holders of Belfius Mastercard Gold (Star) under specific conditions.
minimum_medical_expense_threshold
Medical expenses under EUR 20 abroad after mutual health insurance deduction are not reimbursed.
excluded_sports_activities
Professional sports and paid competitions excluded. Specific excluded activities: hang gliding (deltaplane), paragliding (parapente), bobsleigh, parachuting, bungee jumping (benji), mountaineering (alpinisme), rally, rafting, canyoning, microlight (ULM), jet-ski, caving (spéléologie). Off-piste skiing covered only if accompanied by certified instructor from approved organization.
assistance_center_authorization_required
All assistance, expenses, and services require prior notification and authorization from the assistance center. Unauthorized services are refused except when: insured was taken by ambulance, vehicle towed by police order, or no choice of breakdown operator. Ambulatory medical expenses under EUR 250 (APP-NORMALE) do not require prior notification.
mutual_health_insurance_requirement
Medical expenses abroad reimbursed after deduction of mutual health insurance (mutuelle/ziekenfonds) reimbursement. If insured is not affiliated with Belgian mutual health insurance or not in compliance, medical expense coverage is limited to maximum EUR 1,250 per insured.
annual_contract_renewal
Contract concluded for 1 year and tacitly renewed for successive 1-year periods. Can be terminated at least 2 months before annual expiry date (APP-NORMALE). Consumer policyholders may terminate at any time after first year with 2 months notice, without fees or penalties.
belgian_residence_requirement
Policyholder must have principal residence in Belgium. Contract terminates automatically if principal residence moves abroad.
Où acheter
Documents
Assurance Assistance – Document d'information sur le produit (IPID) – Français
ipid
Verzekering Assistance – Informatiedocument over het verzekeringsproduct (IPID) – Nederlands
ipid
ASSISTANCE APP-NORMALE – Conditions générales BDAS_01072023 / 0037-2-18-7530-112022 – Français
terms_and_conditions
APP-NORMALE ASSISTANCE – Algemene voorwaarden BDAS_01072023 / 0037-2-18-7530-112022 – Nederlands
terms_and_conditions
Spécificités de la police
Frais médicaux à l'étranger
Prise en charge des frais médicaux et d'hospitalisation à l'étranger suite à une maladie ou un accident imprévisible, jusqu'à 1.000.000 EUR par assuré et par voyage, après déduction d'une franchise de 50 EUR par sinistre et par assuré (ancien produit BDAS) et après déduction des remboursements de la mutuelle. APP-NORMALE : remboursé à condition que l'intervention de l'assureur dépasse 20 EUR.
Rapatriement
Organisation et prise en charge du rapatriement vers la Belgique en cas de maladie ou d'accident empêchant la poursuite du voyage, ou en cas de décès à l'étranger. La décision appartient exclusivement au service médical de l'assureur en accord avec le médecin traitant sur place.
Formule Boost
Option d'amélioration qui double tous les plafonds de remboursement, avances monétaires et frais couverts par la garantie assistance aux personnes. Étend également la couverture aux frais médicaux en Belgique (jusqu'à 7.000 EUR après intervention de la mutuelle) prescrits dans les 3 mois suivant le rapatriement après une maladie ou un accident à l'étranger.
Assistance Véhicule
Assistance dépannage et remorquage optionnelle en Belgique et à l'étranger (si option étranger souscrite). Comprend le remorquage, le véhicule de remplacement ou le budget de mobilité. Trois niveaux : Mobilité Start (véhicule/budget uniquement à l'étranger), Mobilité Go (également en Belgique, cat. B, max 7 jours), Mobilité Go+ (Belgique et étranger, cat. D, max 15 jours, budget mobilité max 85 EUR/jour).
Assurance Bagages
Couverture optionnelle séparée pour bagages perdus, endommagés ou volés pendant les voyages. Couvre le vol, la détérioration totale ou partielle par des tiers ou par accident et la perte lors du transport par un transporteur professionnel. Franchise de 100 EUR par sinistre (ancien BDAS). APP-NORMALE : franchise fixée contractuellement dans les conditions particulières.
Remboursement Forfait Ski/Plongée
Remboursement du solde non utilisé du forfait de ski ou de plongée, y compris les leçons, en cas d'interruption ou d'incapacité physique de l'assuré à poursuivre, suite à une maladie ou un accident confirmé par un médecin sur place.
Frais de Recherche et Sauvetage
Prise en charge des frais de fonctionnement d'un service officiel de recherche et de sauvetage à l'étranger lorsque la sécurité ou l'intégrité physique de l'assuré est en danger.
Assistance Vélo
Assistance dépannage, réparation et vol de vélo dans toute l'Europe géographique. Couvre les cycles, speed pedelecs et engins de déplacement motorisés (trottinettes électriques, segways, etc.).
Durée Maximale du Voyage
La couverture s'applique uniquement pendant les 90 premiers jours de voyage ou séjour à l'étranger par voyage. Les événements survenus après cette période ne donnent pas droit aux garanties sauf si une extension a été convenue dans un contrat séparé. La preuve d'un retour dans le pays de domicile vaut interruption de voyage.
Exclusions Géographiques
Pas de couverture pour les pays pour lesquels le gouvernement a émis une interdiction générale de voyage ou une restriction pour voyages non-essentiels ; pays en état de guerre civile ou étrangère ou dont la sécurité est troublée ; et pays définitivement exclus : Syrie, Crimée, Venezuela, Biélorussie, Iran, Corée du Nord, Russie, Myanmar, Afghanistan, régions ukrainiennes annexées par la Russie.
Exclusion des Affections Préexistantes
Pas de couverture pour les affections médicales préexistantes connues au départ qui sont en phase de traitement et présentent un réel danger d'aggravation rapide, ou non encore consolidées depuis au moins 2 mois avant le voyage (APP-NORMALE). La rechute ou l'aggravation d'une maladie antérieurement connue est également exclue. Les convalescences et affections en cours de traitement non encore consolidées avant le voyage sont exclues.
Annulation de Voyage Non Couverte
L'assurance assistance voyage de base ne couvre pas l'annulation de voyage. Une couverture d'annulation Mastercard distincte peut être disponible pour les titulaires de Mastercard Gold (Star) Belfius selon des conditions spécifiques.
Seuil Minimum des Frais Médicaux
Les frais médicaux à l'étranger après déduction de la mutuelle ne sont pas remboursés si l'intervention de l'assureur est inférieure à 20 EUR (APP-NORMALE). Sous l'ancien produit BDAS : une franchise de 50 EUR par sinistre et par assuré s'applique à tous les remboursements de frais médicaux.
Activités Sportives Exclues
Les sports professionnels et les compétitions rémunérées sont exclus. Activités spécifiquement exclues : deltaplane, parapente, bobsleigh, parachutisme, saut à l'élastique (benji), alpinisme, rallye, rafting, canyoning, ULM, jet-ski, spéléologie. Le ski hors-piste n'est couvert que si l'assuré est accompagné d'un moniteur agréé d'une organisation reconnue.