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Travel assistance

Human Capital

Your employees often travel abroad as part of their duties and you also offer them the opportunity to go on holiday. You even hope they have fine weather and can spend two weeks not thinking about the company so they can return to work more motivated than ever, provided they do not run into trouble during their travels. And this is under control thanks to a travel assistance insurance policy.

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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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  • Legal expenses insurance for companies

    Liability

    Disputes about damage (both in the case of the party suffering damages and the party who is liable) are often lengthy, intricate and costly affairs. Legal expenses insurance ensures your company may fully assert its rights, without suffering any financial losses.

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    Many insurance policies feature an optional extension for legal expenses. It is generally a good idea to take up this option as it will be covered in any circumstances for disputes about this subject. The cover is nonetheless limited so it is recommended to purchase a legal expenses policy from an independent operator. It can happen that the adversary in the dispute will turn out to be your insurance company, whereupon you will want to be sure that your legal counsel defends your interests on a completely independent basis. Customised Not all companies run the same risks. Large business are generally able to bear the legal costs and lawyers' fees themselves, whereas smaller companies (up to 20 employees) are well-advised to opt for an all-risk policy so that all the legal disputes that are not excluded are automatically insured. Large companies  benefit from legal expenses insurance in keeping with their size. That is why it is important to choose the right cover options, those where the legal expenses insurer helps cover the costs. You can count on us helping you to make this choice. Basic cover Civil remedy: reimbursement of damage suffered by you Criminal defence Civil defence: when a third party seeks compensation from you General contracts: disputes ensuing from contracts entered into Tax legislation Administrative law Labour and social security law Legal expenses after a fire Legal expenses for real estate Extenses Third party insolvency Bail money …

  • Guaranteed income

    Human Capital

    People unable to work after an accident or illness suffer a double stroke of bad luck. As well as having to contend with the rising costs for doctors' and hospital services, they also have to cope with a drop in their income. A guaranteed income policy can offset the impact of a lower income.

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    Ideal for employees The first 30 days your employee is ill you as an employer are required to continue paying the individual's wages, after which the employee is entitled to replacement income benefits paid by the mutual insurance fund. However, depending upon the individual's family situation, these benefits are not always enough to maintain the person's standard of living. Guaranteed income insurance offers your employee a further allowance on top of the health insurance fund payment. During this period you are also exempt from having to make premium payments for this policy (if you have opted for this guarantee). The payments to your employee are taxed as replacement income benefits, while the premiums may of course be deducted in full as professional costs. Essential for the self-employed Self-employed people who are unfit for work for a long period of time have no safety net at all to rely on. Their health insurance fund payments are even lower. In the case of self-employed entrepreneurs a guaranteed income insurance is much more a necessity than a luxury. N.B.: many self-employed people pay themselves a low wage, which obviously has an impact on the level of replacement income benefits in the case of a disability.