Have you almost finished your Masters in Medicine?
One important milestone is in sight: your medical diploma. Now you have an important choice to make: are you going to choose a career in general practice, or become a specialist?
What financial partner will you take with you? At this crossroads in your life you have an ideal opportunity to stop and reflect.
Who gives you sufficient confidence? Who knows the medical sector through and through? Who can support you best? And above all, which bank already offers you all the support you need?
A suitable offer
- ING Lion Account or Green ING account + ING debit cards + access to online channels
- €100 cashback if you have your salary paid by direct debit into your ING Lion Account (during min. 3 months)
- ING VISA Classic (Visa credit card) for €22/year
- €80 cashback in the case of accumulation of pension entitlement and financial assets
- Free savings account
- Sui Generis covers your internship payments and some social security benefits.
- It puts you in the same position as doctors covered by tariff agreements, but does not entitle you to some benefits such as unemployment benefit, holiday pay and thirteenth month pay.
- You do not accumulate state pension entitlement either. But you can make up for this by means of INAMI/RIZIV contributions.
What does RIZIV do for me?
Once you have been awarded your diploma, you just need to complete an internship.
You will receive your RIZIV number as soon as the Ministry of Education has agreed to your internship plan.
This usually happens before 1 October.
RIZIV pays you a (non-taxable) contribution. The size of the amount depends. Are you a conventional care provider or a partially conventional one? The received sum is used for the capital accumulation of the pension, protection (interest) in the case of disability or capital in the case of death. These various elements can always be combined.
The Voluntary Supplementary Pension plan for the Self-Employed (VAPZ/LPCI)
From 1 January after you start your training you can take out a Voluntary Supplementary Pension for the Self-Employed (VAPZ/LPCI) that is funded via the RIZIV contribution. This contribution may or may not have a social aspect.
Every year RIZIV will send you a form that you forward to your insurance company for optimum pension coverage.
The VAPZ/LPCI funded via the RIZIV contribution therefore offers many advantages. Start thinking about this opportunity now, because the sooner you start, the larger your pension pot will be.
Social VAPZ/LPCI for the salaried care worker or official care worker
Are you a wage earner and you received a RIZIV number? Then you're entitled to receive a contribution which you can use for a Social VAPZ/LPCI. Use it, because it's very exceptional that you can use it without working as an independent care worker.
Social VAPZ/LPCI for the independent care worker
Do you take care of your pension accrual with personal contributions, you'll receive double fiscal benefits. Additional guarantees (in case of death, guaranteed income) are possible. More information about the conditions on the website of AXA Belgium (NL, FR).