Accident and Disability

You have a domestic accident? You're covered up to 5.000 EUR for your health and recovery care, and up to 100.000 EUR if you suffer a permanent disability of more than 10%.

During your day-to-day private activities.

Worldwide (for trips of up to 3 months max).

Also in the event of a car accident as a BOB (in Belgium only).

Is an Accident and Disability cover for you?

Why do you need an Accident and Disability cover?

An accident in your private life can happen very quickly. The Personal Liability cover only covers damage you cause to others. However, the financial consequences of bodily injury to you or your family must also be supported. That's why the Accident & Disability cover provides you with financial support at this time, with a lump-sum payment based on the severity of your situation. So you can get through these difficult times more easily.

When do you need an Accident and Disability cover?

Accident & Disability cover is highly recommended if you wish to protect yourself against the financial consequences of an accident resulting in physical injury in the course of your private life (i.e. during your day-to-day activities). This cover provides a lump-sum payment of up to 100.000 EUR for expenses related to a permanent disability of more than 10%, and up to 5.000 EUR for medical expenses or in the event of death.

What is covered and what isn't?

In the belief that real-life examples speak louder than definitions, here are some of the most common uses of the cover:

The main things that are covered

Medical care: high medical costs after your accident? Covered up to 5.000 EUR.
Permanent disability: you are permanently disabled by more than 10% as a result of your accident? Covered.
Funeral expenses: the accident is unfortunately fatal and your loved ones are responsible for your burial? Covered up to 5.000 EUR.

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Some things that aren't covered

Workplace accidents: fall down the stairs at work? Sorry, not covered.
Professional and dangerous sport: wingsuit fan? Trying out ultralight flying without a qualified instructor? Sorry, not covered.
Gross negligence: have an accident while under the influence of alcohol or drugs? Sorry, not covered.

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Check the information document (IPID)