Group Accident insurance

Insurer : AXA Belgium

As an employer, you are legally obliged to take out insurance for your staff. This covers your employees in the event of work-related accidents and traffic accidents sustained on their way to or from work.

  • Extra guarantees

    The medical expenses are reimbursed and your employee can count on a guaranteed income if he or she is unable to work due to the accident.

  • 24/7 assistance

    Our employees are on standby 24 hours a day to help you and your employee with e.g. transport to the hospital or psychological help.

  • Free information

    Free information about accident prevention. Because prevention is better than cure

The Group Accident Insurance is a compulsory insurance to protect your staff. As an employer, you are legally obliged to take out insurance for your personnel against injuries resulting from an accident at work or an accident on the way to and from work. This insurance reimburses the damage on the basis of the victim's salary in the event of death or temporary or permanent incapacity to work. It also covers medical expenses.

Your contract has a duration of one year. At each annual expiry date, it is automatically renewed for a further period of one year, unless you terminate the contract at the latest 3 months before the expiry date.

The premium is either fixed or calculated on the basis of the insured's salary (i.e. the gross salary without any deduction, including all benefits).

  • Coverage for staff against injuries resulting from an accident at work or an accident on the way to and from work.
  • On top of your compulsory basic insurance, choose from a range of additional optional coverages such as paralegal insurance or guaranteed income.
  • Covering medical costs and guaranteed income for your employees in the event they are unable to work as the result of an accident.
  • Claims can be submitted and tracked online.
  • Simple, easy-to-understand guide for accident victims
  • Free information on accident prevention.

In certain circumstances, some accidents are not covered :

  • some sports accidents: motorized sports in competition, canyoning, kitesurfing, aerial sports, some martial arts and self-defense sports;
  • accidents resulting from:
  • intent (insured parties or beneficiaries who are not part of the intent remain insured) ,
  • alcohol intoxication, narcotics,
  • bets, challenges or apparently reckless actions,
  • a natural disaster,
  • attacks or assaults,
  • (civil) war, similar facts (unless the person affected abroad is surprised by the start of hostilities) ;
  • medical interventions on one's own person
  • suicide (attempt)
  • (occupational) illnesses.

Please read the information document about the product (FR) and the general terms and conditions before signing. You can obtain the general terms and conditions at your ING branch.

About the insurance policies and conflicts of interest : you can find general information about the insurance policies and a description of the conflict of interest policy, including the benefits, of ING Belgium nv and the insurer. Go to and then follow "Rates and Regulations > Information and Regulations > Insurance policies".

  • Consult the General Terms and Conditions before signing.
  • Contact us.

Contact :

  • ING Complaint Management, Cours Saint-Michel 60, 1040 Brussels.
  • Call +32 2 547 61 012 or
  • mail to

This complaint will be forwarded to AXA who will handle it.

If the dispute is not resolved in this way, you can contact the bank dispute ombudsman Ombudsfin, North Gate II. Boulevard du Roi Albert II 8,1000 Brussels. Call +32 2 545 77 70 or e-mail –

The Group Accident Insurance is subject to Belgian law. It is offered to you, subject to acceptance by :

Insurance broker ING Belgium nv, insurance broker, registered with the Belgian Financial Services and Markets Authority (FMSA) under code 0403200393. Company headquarters: Marnixlaan 24, B-1000 Brussels - Brussels Register of Commerce - VAT No. BE 0403.200.393 - - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.

Insurer AXA Belgium, public limited insurance company authorised under no. 0039 to exercise in the life and non-life branches (KB04-07-1979, BS 14-07-1979) with the National Bank of Belgium located at de Berlaimontlaan 14 in B-1000 Brussels - Headquarters: Troonplein 1 - B-1000 Brussels (Belgium) - Website: - Tel.: 02 678 61 11 -Fax: 02 678 93 40 - Crossroads Bank for Enterprises (CBE) No.: VAT No. BE 0404.483.367 Brussels Register of Commerce No. 7.06.5833 - 0616.

Reporting a claim

Accident? Go to and report the claim.

Do you prefer another way?

- Accident? Download the declaration form complete it and email it to Or call +32 2 550 05 55 for assistance

- Do you need legal assistance? Download this document, complete it and email it to

Changing your policy

Go to or send an email to stating what you'd like to change.

Terminating your policy

Go to or download the termination form, complete it and email it to