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Individual pension commitment (IPC)

Human Capital

The legislative authority allows self-employed persons or company managers the opportunity to save for their pensions in a tax-efficient way, amounting to up to 80% of your last income. A PSPSE (private supplementary pension for the self-employed) may be insufficient. That is where an individual pension commitment comes to the rescue.

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Contact: Marijke Van Roijen
  • Human Capital

    Groepsverzekering: hoe kiest u vandaag tussen tak 21 en tak 23?

    Als u besluit om uw werknemers een groepsverzekering aan te bieden, hebt u de keuze tussen een tak 21 - en een tak 23-verzekering . In deze woelige...
    03 December 2021
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  • Hospitalisation insurance

    Human Capital

    Anyone who has had to stay a hospital for the night knows just how expensive this really is. Even without any special medical treatment and staying in a double room the costs soon amount to several hundred Euros. Thanks to hospitalisation insurance these costs are borne by the insurance company.

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    Hospitalisation insurance represents the most significant fringe benefit a Belgian employer may offer to the latter's employees. Moreover, sums paid into the hospitalisation insurance scheme are not regarded as a benefit in kind. This kind of insurance is also extremely valuable for self-employed entrepreneurs. Significant level of cover There are huge differences in terms of the scope of the hospitalisation insurance cover on offer from the various companies. They all help cover the costs in the following cases: reimbursement of costs not chargeable to the health insurance fund reimbursement of costs during a period prior to or after admittance reimbursement of costs prior to registration with the health insurance fund reimbursement of costs for outpatient care in the event of serious illnesses Third party payer system Most policies use a highly advantageous third party payer system so that your insured employees do not have to pay the costs themselves in advance: the insurance pays these costs directly to the hospital.

  • Fraud insurance

    LiabilityR&D

    Theft of data, misappropriation of funds, malpractices involving company cars and petrol cards, ... your company is vulnerable to fraud in many areas. Fortunately, the damage is sometimes limited but often that is not the case. Hence the need to take out fraud insurance.

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    Some companies with a high staff turnover or in the midst of a difficult restructuring process are definitely susceptible to fraud lurking behind the scenes. However, all organisations have to take this issue into account. The more complicated an organisation is, the higher the risk. Anywhere where ICT is business critical, damage caused by fraud is lurking around the corner. What does fraud insurance cover? Fraud is particularly annoying because the damage has a direct impact on your business performance, while shattering confidence in your company and hurting your reputation. Fraud insurance has to face up to the risks. That is why we advise you to opt for a policy that covers any material loss caused by fraud, including the costs incurred for restoring your company's image and other resulting damage. The coverage applies starting from the day when the fraud is discovered. You may extend the cover with insurance for the investigation costs, data reconstruction costs, crisis management and communication, ...