INSURANCE

Account Insurance

IN PRACTICE

Cover you can count on

Account Insurance covers your payment and savings accounts. If you die as a result of an accident or its consequences within 2 years, your beneficiaries can claim an indemnity. It’s capital that can help them through the difficult times.

YOUR BENEFITS

A minimum indemnity

The indemnity, taken from the estate, corresponds to the balance of your account the day before the accident. It is guaranteed up to a minimum of €5,000, even if the account is empty or overdrawn.

MORE INFORMATION

At the branch or by phone

Protect your loved ones by taking out Account Insurance:

  • At the branch, by appointment
  • Or by calling the Easy Banking Centre

 

Your Account Insurance for €4.25 per year per account

Discover the financial benefits of Account Insurance in more detail, for just €4.25 per year.

Minimum indemnity

Your loved ones can receive a minimum indemnity of €5,000 per insured account, even in the event of a negative balance.

Maximum indemnity

Your Account Insurance can pay out up to €150,000 in total indemnity to your beneficiaries, with a maximum of €50,000 per account. These amounts include any additional indemnity (see below).

Additional indemnity

If you insure 1 payment account and 1 savings account, your beneficiaries can claim an additional indemnity of €2,000 per dependent child.

In what circumstances?

You are covered by Account Insurance if you die as a result of an accident or its consequences within 2 years.

The scope of your protection

Account Insurance covers

  • Accidental death caused by a fall, a road accident, drowning or any other unexpected event. In all cases, the cause of the accident must be external to the insured person.

  • Death within 2 years of the consequences of the accident

Account Insurance does not cover

  • Death resulting from an internal medical cause, an intentional act by the beneficiary or at their instigation, suicide or attempted suicide, or intoxication.

Discover the complete list of all covered and non-covered risks

  • This list of covered and non-covered risks is not exhaustive. The exact scope of the guarantees can be found in the General Conditions and the pre-contractual information. To discover the main characteristics of this insurance, consult the Information Document. You can obtain them free of charge at the bottom of the page, at the branch or via the Easy Banking Centre on 02 762 20 00.

More information

For more information, consult the following documents:

Vous avez une plainte ?

Complaints can be submitted to BNP Paribas Fortis SA, Complaints Management Service, Montagne du Parc 3, 1000 Brussels, or via the online form or to AG Insurance sa, Complaints Management Service, Bd. É. Jacqmain 53, 1000 Brussels, by phone on 02 664 02 00 or by e-mail: customercomplaints@aginsurance.be.

If the solution proposed by BNP Paribas Fortis or AG does not satisfy you, you can submit your complaint to the Insurance Ombudsman by e-mail to info@ombudsman-insurance.be, by post to Square de Meeûs 35, 1000 Brussels, or on their website www.ombudsman-insurance.be.

This may be of interest to you

Account Insurance is a paid option available in our packs. It is also proposed when opening a savings account or can be added to an existing account.

  • The Easy Guide Pack

    Benefit from a complete banking pack and the advice of our experts in a branch. 

    Discover its benefits

  • The Easy Go Pack

    With this pack, you have what you need to manage your daily banking operations.

    Discover the pack

  • The Savings Account

    Save for your projects, your desires or to face the unexpected. Your money remains available at all times.

    Discover more

Account Insurance is a collective insurance policy (Branch 1) concluded by BNP Paribas Fortis (policyholder) with AG (insurer). Individuals may opt to join this policy if they (co-)holders of a current or savings account with BNP Paribas Fortis. The policy guarantees payment to the beneficiaries of an indemnity equal to the credit balance of the insured account on the day before the accident that resulted in the account holder’s death.


The guarantees are acquired from the date of adherence if the date of adherence to the insurance is the same as the date of opening of the account. In the event of adherence after the date of opening of the account, the guarantees are acquired from the date of payment or collection of the first contribution (premium). This adherence is optional and automatically ends, in particular, in the event of early termination (free of charge) by you, closure of the insured account or termination of the collective contract.

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