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INSURANCE

Mandatory work accident insurance

IN PRACTICE

Work accident insurance

This work accident insurance policy* protects your staff in the event of an accident at work or while travelling to or from work. It covers medical expenses, as well as paying out in the event of permanent disability or death.

YOUR BENEFITS

For your staff

Work accident insurance is a legal requirement for all employers. It ensures that your staff, or their families in the event of death, receive statutory compensation.

MORE INFORMATION

Get a quote

Do you run a business that employs staff? Contact your advisor to learn more about this mandatory insurance, or call the Easy Banking Centre on 02 433 43 34 for a video call appointment.

* Work accident insurance is an insurance policy under Belgian law distributed by BNP Paribas Fortis. The policy can be taken out for a period of one or three years, at the end of which it will be renewed by tacit agreement for the same period.

Work accident insurance

Mandatory work accident insurance covers the payment of a daily allowance in the event of a person being unable to work.

Medical expenses are also covered: medication, hospital fees, prosthetics and other fees.

In the event of permanent disability, the victim is entitled to a regular income based on the degree of disability and their salary. In the event of death, the family receives a regular income and funeral expenses are covered.

Protect your staff

With work accident insurance, you protect your staff in the event of an accident at work and while travelling to or from work.

At work and while commuting

Mandatory work accident insurance protects your staff in the event of an accident at work and while travelling to or from work.

Your team: always covered

Here's what's always covered:

  • medical expenses
  • a daily allowance for people unable to work
  • a regular income in the event of permanent disability
  • a regular income and funeral expenses in the event of death

Up to 10 staff members

Do you employ up to 10 people? In that case, you pay a premium per person based on their working hours. You benefit from a 50% reduction for people who work part-time (80% or less).

More than 10 staff members?

Your policy is analysed by specialists to ensure that you get from the best rate based on your business, staff, gross salaries and claims statistics.

Automatically adjusted premiums

Is your workforce increasing or decreasing? No need to worry: your premium is automatically adjusted each year based on Banque Carrefour data.

Get extra cover

Work Accident+ Pack

Thanks to the Work Accident+ Pack*, you get additional work accident cover for your staff and, as a business leader, you’re covered against an inability to work and you get legal protection insurance too.

* The Work Accident+ Pack is an extension of the work accident insurance policy, an insurance policy under Belgian law distributed by BNP Paribas Fortis. The policy can be taken out for a period of one or three years, at the end of which it will be renewed by tacit agreement for the same period.

Coverage

Your coverage

Work accident insurance covers

  • accidents at work or while travelling to or from work for all employees, trainees, apprentices etc.

  • medical expenses, hospitalisation, medication, orthopaedic devices and prosthetics in the event of an accident, a daily allowance in the event of an inability to work, a regular income in the event of permanent disability, and funeral expenses in the event of death.

The Work Accident+ Pack covers

  • repatriation costs from abroad for you as a business leader, as well as the cost of a doctor to monitor staff absences 

  • any temporary inability to work for you as a business leader and a lump sum for your family in the event of your death

The main exclusions

What work accident insurance does not cover

  • exclusions provided for by the Belgian act of 10 April 1971 on work accidents are applicable.
    Example: an accident where, at the time the policy was entered into, information was intentionally concealed or inaccurate in such a way as to affect the risk assessment

  • intentionally caused accidents

What the Work Accident+ Pack does not cover

  • fines and checks on staff absences abroad

  • accidents involving the business leader that are intentionally caused or that occur when they are under the influence of alcohol or in a similar state

  • accidents during a cycling competition, winter sports, combat or defence sports, motor sports or air sports

Find out about all covered risks and exclusions

  • The above list of covered risks and exclusions is not exhaustive. The exact extent of the cover can be found in the standard terms and conditions. To learn more about the main features of this insurance policy, you can consult the information sheet (see below). To receive a quote, you can contact your advisor or call the Easy Banking Centre on 02 433 43 34. 

Learn more

Before signing your work accident insurance policy, please consult the following documents:

Any concerns?

If you have a complaint, you can contact us at BNP Paribas Fortis SA, Complaints Department JQABD, Montagne du Parc 3, 1000 Brussels, tel. 02 228 72 18, gestiondesplaintes@bnpparibasfortis.com or via www.bnpparibasfortis.be > Suggestions or complaints > online complaint form

If you’re not happy with the proposed solution, you can send your complaint by post to the Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels, BCE: 884.072.054, tel : 02 547 58 71,

info@ombudsman-insurance.be - www.ombudsman-insurance.be.

Want to make a claim?

24/7 emergency assistance in the event of an accident, making a claim… Whenever you need us, our team is here to help.

Contact us

Contact your advisor about this insurance, or call the Easy Banking CentreCall 02 433 43 34

Cover at work

  • Corporate Accident Plus

    Give your team the most comprehensive protection, over and above basic mandatory insurance. This work accident insurance policy protects your staff both at work and outside of work.

    Discover Corporate Accident Plus

  • Formule 24

    Whether you’re self-employed, a professional or an entrepreneur: protect yourself 24/7, both at work and outside, with Formule 24 accident insurance.

    Discover Formule 24

  • Income protection

    If you have an accident or fall ill, you no longer have an income as a self-employed person, but the bills don’t stop. Protect your income and your standard of living with an insurance policy that covers any inability to work.

    Discover income protection

Legal information

AG Insurance (abbreviated as AG) SA – Bd E. Jacqmain 53, B-1000 Brussels - www.aginsurance.be - info@aginsurance.be - RPM Brussels – VAT BE 0404.494.849 - Insurance company approved under code number 0079, under the control of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.

Intermediary: BNP Paribas Fortis SA – Montagne du Parc 3, B-1000 Brussels – RPM Brussels – VAT BE 0403.199.702 – is registered under this number with the FSMA, rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated by commission, for AG Insurance SA. BNP Paribas Fortis SA holds a stake of more than 10% in AG Insurance SA.

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