Guaranteed income insurance covers loss of salary in the event of illness or accident in the private sphere, for civil servants.
Who is covered? Contract and statutory civil servants.
The risks covered are :
– Illness.
– CFS, fibromyalgia and certain psychological disorders, including burn-out.
– Personal accident.
– Maternity leave (optional).
What are the benefits? Continued remuneration up to 80% of salary.
Insurance that goes beyond legal benefits:
- Legal provisions for contractual agents: replacement income (through the intervention of the mutual insurance company) amounts to 60% of salary during the first year of disability.
- Legal provisions for statutory employees: salary is maintained at 100% as long as the quota of “sick days” has not been used up.
- Insurance guarantee: up to 80% of normal salary.
What is covered
✔ Professional income lost as a result of incapacity due to an accident or illness.
✔ Insured income is determined when the contract is concluded
✔ The annuity paid can be automatically indexed (lump-sum or according to the health index)
✔ Compensation is always linked to an actual loss of income
What is not insured:
✘ Medical expenses related to incapacity
✘ An accident or illness not controllable by medical examination
✘ An accident or illness not covered by a medical certificate
✘ Incapacity during the waiting period (at the employer’s discretion; with a minimum of one month)
✘ Recognized work incapacity of less than 25%.
Exclusive to Ethias
Ethias offers its policyholders who are victims of work-related accidents a support and professional reintegration program that is unique in Belgium. In association with Prorienta in Wallonia and Brussels and Emino in Flanders, the victim, his daily life and his future are at the centre of our concerns.
