What can we help you with?

By pre-existing disorders we mean any illness, accident, pregnancy and delivery that occurred prior to the date of affiliation or whose first objective symptoms appeared prior to that date.

We cannot grant a benefit if the disorder or incapacity for work for which you wish to claim your insurance was diagnosed or stated prior to your affiliation. In case of a disorder or accident, we nevertheless take into account the worsening of your disorder or increase of your degree of incapacity for work when you are affiliated for more than a year and have not been unfit for work during that period due to this pre-existing disorder.

This means that you will not receive a benefit in case of illness or incapacity for work during the first year of affiliation due to a pre-existing disorder.

It is the period during which your guaranteed income insurance does not provide coverage yet. This insurance can only be activated as soon as the waiting period has expired. The length of this period depends on the conditions of your insurance policy.

At that moment you are no longer covered by the system of temporary lay-off. Because when you fall ill during a period of temporary lay-off, you receive an allowance from your mutuality. As far as your guaranteed income insurance is concerned, the waiting period will start at the beginning of your incapacity for work. After this waiting period you can submit your file to us.

Does your incapacity for work last longer than initially expected? Or did you get back to work earlier? Vanbreda Risk & Benefits receives all relevant information about resumption of work or prolongation of incapacity for work directly from your employer. Of course you too can keep us informed of all relevant changes of your situation, for instance when you resume work earlier. This avoids that Vanbreda Risk & Benefits wrongfully pays out amounts that you should pay back afterwards.