Optimally protect your employees with tailor-made policies

We will map out the current insurances for the employees in your company.

We will prepare an analysis of all coverages, draw up action points and will list gaps, overlaps and irregularities.

We will propose optimisations in terms of content and financial aspects, and, in consultation with you, will propose the ideal retirement, death and disability scheme for your company, as well as other solutions.

We can also recommend various solutions with regard to the communication and positive highlighting of the non-statutory benefits package to your employees.

We will take care of the substantive adaptations of the existing insurance policies and/or will launch a market consultation event for the existing or desired personal insurance policies. We can also support you in the management of your insurance package on a daily basis.

A group insurance retirement policy provides your employees with a supplementary pension. There are countless possibilities when it comes to supplementary pension schemes, and several forms of financing are also possible. A comprehensive retirement scheme also includes a guarantee in the event of death.

A hospitalisation insurance protects your employees, and possibly also their family members, against the costs of admission to a hospital or of medical treatment in a hospital. 

An assistance cover can be included in this insurance, for repatriation and urgent medical transportation, for example.

→ Anoutpatient costs insurance is a good supplement to a hospitalisation insurance. This option covers a range of outpatient costs, such as doctors’ consultations, medicines, dental care and the costs of glasses.

Prolonged absence from work has major financial consequences for your employee. Through a guaranteed income insurance, you can limit the loss of income of an employee who is incapacitated for work for a prolonged period.

This insurance is a legal requirement, and includes a number of essential covers for your employees and student employees, among others:

• Temporary incapacity for work

• Permanent incapacity for work

• Death

• Medical costs

• Costs for (damage to) prostheses

Extensions to the statutory coverage are possible, for example, for telework, assignments abroad and events.

This cover is a supplement to the occupational accidents insurance required by law. The legislator caps benefits at a statutory salary ceiling. As a company, you can also define the coverage yourself, however. This is then laid down in a supplementary occupational accidents insurance.

The difference between an activity during work or in private time is not always clear. What happens, for example, if your employee is hit by a car when he goes jogging before work during a business trip? Avoid any discussions, and give your employee a non-statutory benefit through a private third-party liability insurance. Here again, you can put together the compensation system yourself.

There are different types of international employment that enable companies to deploy their employees beyond the national borders. Each type of employment, such as expatriation, business trips, split salary and secondment requires specific insurance solutions.

Don’t forget to involve the entities of your company abroad in the optimisation of personal insurances. In this way, all your employees at home and abroad will enjoy similar coverage.