The optional loan insurance is a branch 21 collective insurance policy under Belgian law concluded by Alpha Credit SA – the policyholder – with AG – the insurer – and distributed by BNP Paribas Fortis. The insurance period corresponds to that of the covered loan.
The insurance that financially protects you and your loved ones in case of death or disability. Discover the guarantees and benefits here.
If you pass away due to illness or accident, the outstanding balance of your loan will be fully refunded. This means your loved ones will not have to assume the remaining debt of the covered loan.
In the event of total (> 66%), temporary or permanent disability, the insurance refunds your loan monthly payments after a 90-day waiting period, and this until the end of the loan or disability.
No medical examination is required. Simply complete the membership form, either in an agency or online. If you meet the conditions (see below), the insurance will start as soon as the loan amount is credited to your account.
The premium is 3% of your loan’s monthly payment and is included in the monthly repayment.
You are insured up to a maximum of €75,000 for the outstanding balances of all your covered loans.
To subscribe to this insurance, you must be under 70 years old at the end of the loan, not be unable to work and not have been unable to work for more than 60 consecutive days in the last 3 years, and has not suffered from a serious illness (e.g., diabetes, cancer, etc.) in the past 5 years.
premature death of the insured
temporary or permanent disability (> 66%) after a 90-day waiting period
death resulting from suicide within a year after the insurance start date
death or disability resulting from war or civil war
death resulting from an intentional act of the insured or a person with an interest in the benefit, or at their instigation
Please read the information document before subscribing to the insurance.
For any complaints regarding our products and/or services, you can get in touch with your usual point of contact, use our complaint form, or reach out to BNP Paribas Fortis, Complaints Management Service, Montagne du Parc 3, 1000 Brussels, tel. +32 2 228 72 18, or email gestiondesplaintes@bnpparibasfortis.com. Further details are available on www.bnpparibasfortis.be/complaint and via the AG Insurance website (www.aginsurance.be)
If you are not satisfied with the proposed solution or do not receive a response within the expected timeframe, you may file a complaint with the Ombudsman des Assurances (Insurance Ombudsman). This can be done online via their complaint form, by email (info@ombudsman-insurance.be) or in writing (Ombudsman des Assurances, Square de Meeûs 35, 1000 Brussels). You may also lodge your complaint directly with this body.
We’re happy to help. Call us on +32 2 762 90 00 or book an appointment with an expert at a branch or the Easy Banking Centre.
Online or with the help of an expert, find the loan that best suits your project.
Estimate the financial impact of your death or disability and check if you meet the membership conditions.
Complete the subscription form within 30 days of accepting your loan application online (or within 60 days via an expert). Your contract will start as soon as the loan amount is credited to your account.
Please read the information document before subscribing to the insurance.
Credit form: loan. The provisions of the Consumer Credit Act of Chapter 1, Title 4, Book VII of the Economic Law Code apply. Subject to acceptance of your application by Alpha Credit SA, lender, Montagne du Parc 8/C, 1000 Brussels – RPM Brussels – VAT BE 0445.781.316. Tied agent: BNP Paribas Fortis SA, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702.
AG Insurance (in short AG) SA – Bd E. Jacqmain 53, B-1000 Brussels - www.aginsurance.be - info@aginsurance.be - RPM Brussels – VAT BE 0404.494.849 - Insurance company approved under code number 0079, under the supervision of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.
Intermediary: BNP Paribas Fortis SA/NV - Montagne du Parc 3, 1000 Brussels - https://www.bnpparibasfortis.be -Brussels Register of companies, VAT BE0403.199.702, registered with the FSMA under this number, rue du Congrès 12-14, 1000 Brussels, and acting as a insurance agent.
