Belfius Direct Assurances

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.

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.

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.

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.