A Package of insurance policies from Union Syndicale Brussels Many of you have been asking Union Syndicale Brussels (USB) to improve and extend the range of services it offers both to the staff as a whole and to its members in particular, especially in connection with insurance. That is why the Executive Committee decided to appoint the insurance broker Concordia to investigate the insurance market and put together an attractive package of insurance policies to cover the most frequent types of insurance. We are pleased now to be able to present to you on this page of our website the results of these efforts : a package of insurance policies that really do offer ‘more for less’, that is to say very extensive insurance coverage at very competitive rates. By clicking on the hyperlinks you will access an information leaflet that sets out the range of insurance policies offered together with the possibility of combining them in order to take advantage of additional benefits.
Beneficiaries of the package
The insurance policies are open to all officials and other agents of the European institutions who have their residence in Belgium. This residence condition does not apply in the case of EuroSanté supplementary healthcare insurance. The insurance policies are also open to pensioners, except for the Soins de santé health insurance policies. Personal accident insurance can be subscribed to up to the age of 65 but cover terminates at the age of 75. IMPORTANT : members of Union Syndicale Brussels and colleagues who are ready to become members of it benefit from additional advantages.
Range of policies
Here is our current range of insurance policies (in so far as possible it will be gradually extended). By clicking on the underlined words, you will be redirected to the site of our insurance broker Concordia and the relevant folders for each ‘product’ :
The insurance program for our members
Read online : Assurance Avantages Elit3 or download : Assurance Avantages Elit3(743.6 KB)
Read online : Assurance Auto or download : Assurance Auto (427.53 KB)
Read online : Assurance Habitation Download : Assurance Habitation(352.72 KB)
Civil liability insurance – Private life
Read online : Assurance Familiale Download : Assurance Familiale(259.02 KB)
Individual accident insurance
Read online : Assurance Accident Download : Assurance Accident(107.28 KB)
Supplementary health insurance
Read online : Assurance maladie complémentaire Download : Assurances EuroSanté (3.98 MB) Civil liability insurance – private life
For the first four categories of insurance our insurer is FIDEA, an insurance company having its seat in Antwerp. Fidea is an independent insurance company that is active on the Belgian market for most Life and Non-life insurance. Fidea is accredited by the National Bank, its prudential supervisory authority, under code number 0033. Fidea forms part of the Anbang Insurance Group Co Ltd (owner of the Waldorf Astoria, New York). Fidea undertakes its activities from its business centres in Antwerp and Namur. For all other information, consult its website www.fidea.be. For supplementary health care insurance, our insurer is Allianz Worldwide Care (AWC) with its seat in Dublin, Ireland. AWC (Allianz Worldwide Care) is a subsidiary of the Allianz Group. AWC, acting through its Irish branch, is a limited liability company controlled by the authority for prudential supervision in France (No 401 154 679 RCS Paris). AWC has an operating centre in Brussels. The company offers products and services in the fields of healthcare, life, invalidity … It mainly services intergovernmental organisations and companies. Do not hesitate to consult its website at www.allianzworldwidecare.com .
Our insurance broker
Our insurance broker is the company Concordia sa, Chaussée Romaine 564B – 1853 Strombeek-Bever, number FSMA 22714, tel. 02/423.11.07, email : email@example.com. Concordia, independent insurance broker accredited by its supervisory authority, the FMSA (Financial Services and Markets Authority) under No 22714 A, is one of the foremost actors on the Belgian market. Created in 1960, Concordia offers its insurance services to international institutions and organisations, as well as to companies and individuals. Concordia undertakes its activities in Belgium from offices in Antwerp and Brussels. Concordia is also present through its branches in Rotterdam and Istanbul. To find out more, consult the website : www.concordia.be .
Advantages for everyone
Among the advantages that can be mentioned, we would emphasise the following :
→ Very competitive rates
→ A no-claims bonus (bonus malus) of -2 ‘for life’ for motor car
→ A comprehensive cover formula based on purchase price
→ If wished, an excess (deductible) at the particularly low level of 250 euros
→ No change in the no-claims bonus rate (bonus malus) in the case of comprehensive cover
→ For new cars, no depreciation during the first 30 months
→ In the event of subscription to a minimum of 3 insurance policies, referred to as Elit3:
- free splitting of the premiums,
- buy-back of excess up to 250 euros when you have your first claim (motor and home insurance),
- an annual reduction of 5%,
- a membership card, referred to as Elit3, that gives you access to a multitude of advantages.
Additional advantages for members of USB
Reduction of 5% on the premiums for the formulae Equilibre Members of Union Syndicale Brussels and colleagues wishing to become members of it enjoy the following additional advantages: For insurance from FIDEA :
→ additional rate reductions :
- motor – 20% compared with the standard rate
- house fire – 15% compared with the standard rate
→ in the event of a total loss under motor, a supplementary compensation of 10%
→ in the case of subscription to a minimum of 3 insurance policies, referred to as Elit 3 Elit3 : free bicycle assistance (up until 14 July 2016). For more information, click here. For EuroSanté supplementary health care insurance : a discount of 5% on the Equilibre and Optimum insurances. For more information, click here.