Occupational accidents
In Belgium, an employer is legally obliged to conclude an occupational accident policy.
After an accident at work or on the way to or from work, the occupational accident insurance covers, among other things, a daily allowance in the event of temporary incapacity for work, hospital costs and medicines, transport costs to hospitals and doctors, an interest in the event of permanent incapacity for work etc.
Excess
Compensation based on occupational accident insurance is limited to a legally determined maximum amount. An employer may also choose to insure employees for the wages that exceed the statutory maximum amount. This is the excess.
Accidents in private life
Employers can offer their employees an extension of occupational accident insurance as an extra-legal advantage. Accidents during private life are thus also insured as if they were occupational accidents. This ensures that the employee is always protected.
Accidents to self-employed persons 24/24
An independent entrepreneur is not insured under the occupational accident insurance of his employees. Accident insurance 24/24 (private and professional life) offers the solution for this.
Hospitalization
Thanks to a collective hospitalization insurance underwritten by the employer, an employee (and possibly the employee’s family) is protected in the event of hospitalization.
In addition to the costs reimbursed by the health insurance fund, a (collective) hospitalization insurance may bear costs that the health insurance fund does not bear in the event of illness, accident, childbirth or pregnancy complication.
Additional guarantees may include the payment of outpatient medical costs (without hospitalization) or dental care.
The collective hospitalization insurance is an extra-legal advantage for the employees of a company.
The advantage for the employer is that no social security contributions are owed on the premiums paid.
