Personal Protection Insurance

An accident, a long-term illness or the loss of an income can have a serious financial impact. KBRS looks at how to protect yourself and your family against that.

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Who it's for

Who this cover is for

Employees & self-employed

For those who want to protect their income in case of long-term illness or incapacity to work.

Families with children

For parents who want to secure their family's financial future.

Borrowers

For those with a mortgage loan who want it repaid in case of death or disability.

Those wanting supplementary cover

For those who want to top up statutory health insurance with hospitalisation cover.

What we insure

Financial security when it matters

Hospitalisation

Cover for medical costs during a hospital stay.

Guaranteed income

Replacement of your income in case of long-term incapacity to work.

Personal accidents

Compensation for permanent disability or death caused by an accident.

Life insurance

Financial protection for your dependants in case of death.

Outstanding balance insurance

Repayment of your remaining loan in case of death or disability.

Supplementary pension

Building up additional capital for later.

Possible solutions

Options to consider

Hospitalisation insurance

A supplement to the statutory health insurance in the event of a hospital stay.

Room and accommodation costs
Fee supplements
Outpatient costs before and after admission
Serious illnesses, where provided for in the contract

Guaranteed income

Aimed at loss of income during long-term incapacity for work.

Incapacity due to illness
Incapacity following an accident
A supplement to the health fund benefit
Aligned with your professional income

Life and outstanding balance insurance

Aimed at the financial consequences of a death for the family.

Outstanding balance of a loan
Capital for surviving relatives
Aligned with the family situation
Review when taking out a new loan

Risks identified

What we look at

Household situation and dependants
Professional situation (employee, self-employed, status)
Existing cover through an employer or health fund
Outstanding loans
Statutory benefits in case of illness or death
Blind spots in your current cover

Pricing

What affects the price

1

Age and health

Basis for calculating the premium.

2

Occupation

Risk level of your activity.

3

Desired capital

Level of cover required.

4

Duration

Term of the insurance.

5

Conditions

Deductible, waiting period and exclusions.

Why KBRS

Why choose KBRS

Personal advice

Advice that takes into account your family, occupation and existing cover.

Tailored solutions

Cover adapted to what you and your family actually need, not a standard package.

Proactive support

Follow-up when your household or professional situation changes.

Frequently asked questions

FAQ

Duidelijke antwoorden over verzekeringen, risicoanalyse en schadebegeleiding.

Is hospitalisation insurance necessary alongside statutory health insurance?
What's the difference between guaranteed income and life insurance?
Is outstanding balance insurance mandatory for a mortgage loan?
Does my occupation affect the premium?
Can KBRS review my existing policies?
What should I do in case of illness, an accident or a death in the family?

Ready to protect yourself and your family financially?

KBRS reviews your situation and existing cover and gives clear advice on the right protection.

03 202 50 30