{"id":3674,"date":"2022-09-17T09:40:33","date_gmt":"2022-09-17T07:40:33","guid":{"rendered":"https:\/\/lefoyerxl.be\/?post_type=arcticles-bruxelles&#038;p=3674"},"modified":"2022-09-17T10:17:16","modified_gmt":"2022-09-17T08:17:16","slug":"assurances","status":"publish","type":"arcticles-bruxelles","link":"https:\/\/lefoyerxl.be\/ar\/arcticles-bruxelles\/assurances\/","title":{"rendered":"Assurances"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3674\" class=\"elementor elementor-3674\" data-elementor-post-type=\"arcticles-bruxelles\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e20a34d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e20a34d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5271f6b\" data-id=\"5271f6b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-deba616 elementor-widget elementor-widget-text-editor\" data-id=\"deba616\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"pageContainer82\" class=\"_page_1gl8y_100\" data-index=\"81\"><strong>Quelles sont les assurances l\u00e9galement obligatoires en Belgique ?\u2028<\/strong><\/h2><div data-index=\"81\">\u00a0<\/div><ul><li class=\"_page_1gl8y_100\" data-index=\"81\">Assurance responsabilit\u00e9 civile de tout v\u00e9hicule automoteur circulant sur le voie publique.\u2028<\/li><li class=\"_page_1gl8y_100\" data-index=\"81\">Assurance loi-accident du travail et gens de maison.<\/li><li class=\"_page_1gl8y_100\" data-index=\"81\">Assurance responsabilit\u00e9 civile chasse.\u2028<\/li><\/ul><p>\u00a0<\/p><h2><strong>Quelles sont les assurances vivement conseill\u00e9es ?<\/strong><\/h2><p>\u00a0<\/p><ul><li>Les assurances \u201cvie\u201d, \u201caccident\u201d et \u201cincendie\u201d et \u201cresponsabilit\u00e9 civile familiale\u201d.<\/li><\/ul><p>\u00a0<\/p><p>Les assurances responsabilit\u00e9 civile familiale vous garantissent de pouvoir faire face aux cons\u00e9quences financi\u00e8res d\u2019un certain nombre d\u2019\u00e9v\u00e9nements de la vie. Il est donc important de tr\u00e8s bien vous informer.<\/p><p>\u00a0<\/p><h2><span style=\"text-decoration: underline;\"><strong>Le courtier :<\/strong><\/span><\/h2><p>\u00a0<\/p><p>Pour vous aider, le courtier recherche les assurances qui correspondent le mieux \u00e0 vos besoins. Il vous conseille et vous assiste en cas de sinistre. Il est votre interlocuteur et votre porte-parole aupr\u00e8s des grandes compagnies d\u2019assurance. En g\u00e9n\u00e9ral le courtier se d\u00e9place chez l\u2019assur\u00e9. Il est vivement recommand\u00e9 de passer par ses services. Certaines banques offrent \u00e9galement un service \u00ab Assurances \u00bb.<\/p><p>\u00a0<\/p><p>Trouvez un courtier en assurances pr\u00e8s de chez vous :\u2028www.assurances.be\/rechercher-un-courtier-en-assurances<\/p><p>\u00a0<\/p><h2><span style=\"text-decoration: underline;\"><strong>Habitation :<\/strong><\/span><\/h2><p>\u00a0<\/p><p>Couvre l\u2019incendie, les d\u00e9g\u00e2ts des eaux, les bris de vitrages, la RC (Responsabilit\u00e9 Civile) immeuble et les catastrophes naturelles : temp\u00eates, gr\u00eale, inondations&#8230;. En option :\u00a0 le vol ;\u00a0 Cette assurance globale doit \u00eatre souscrite \u00e0 la fois par le locataire et par le propri\u00e9taire, tenant compte des recours qui sont exerc\u00e9s entre les parties. Celle du propri\u00e9taire couvre les risques inh\u00e9rents au b\u00e2timent(par exemple, tuyaux encastr\u00e9s, temp\u00eate endommageant le toit&#8230;), celle du locataire couvre les risques locatifs (par exemple tuyaux apparents, &#8230;).<\/p><p>\u00a0<\/p><h2><span style=\"text-decoration: underline;\"><strong>Personnes :<\/strong><\/span><\/h2><p>\u00a0<\/p><p><strong>RC (RESPONSABILIT\u00c9 CIVILE) FAMILIALE<\/strong><\/p><p>\u00a0<\/p><p>Pas obligatoire, mais recommand\u00e9e pour tous, m\u00eame pour ceux qui vivent seuls. Indemnise les d\u00e9g\u00e2ts occasionn\u00e9s \u00e0 des tiers par vous, vos enfants, vos animaux domestiques, ou toute personne qui d\u00e9pend de vous, jusqu\u2019\u00e0 des montants importants pour les dommages physiques et mat\u00e9riels.\u00a0<\/p><div class=\"_linksLayer_1gl8y_42\">\u00a0<\/div><div id=\"pageContainer83\" class=\"_page_1gl8y_100\" data-index=\"82\"><strong>PERSONNELS DE MAISONS\u00a0\u00a0<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div class=\"_page_1gl8y_100\" data-index=\"82\">Obligatoire m\u00eame pour\u2028les personnes travaillant \u00e0 votre service. Concerne toute personne qui travaille chez vous dans un cadre priv\u00e9, m\u00eame \u00e0 temps partiel: jeune fille au pair, femme de m\u00e9nage.<\/div><div data-index=\"82\">\u00a0<\/div><div class=\"_page_1gl8y_100\" data-index=\"82\"><strong>SANTE<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div class=\"_page_1gl8y_100\" data-index=\"82\">En Belgique la Mutuelle, est obligatoire pour les employ\u00e9s comme pour les ind\u00e9pendants. Les compagnies d\u2019assurances proposent des couvertures compl\u00e9mentaires.<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>ASSURANCE HOSPITALISATION<\/strong>\u00a0<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">En cas d\u2019hospitalisation, elle couvre les frais qui exc\u00e8dent les remboursements de la mutuelle\u2028y compris les frais d\u2019une chambre individuelle.<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>ASSURANCE INDIVIDUELLE <\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>ACCIDENT<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">Capitaux forfaitaires (montant choisi par l\u2019assur\u00e9) en cas d\u2019accident. Couvre d\u00e9c\u00e8s et\/ou invalidit\u00e9 permanente et\/ou incapacit\u00e9 temporaire et\/ou frais m\u00e9dicaux.<\/div><div data-index=\"82\">\u00a0<\/div><h2 data-index=\"82\"><span style=\"text-decoration: underline;\"><strong>Auto : <\/strong><\/span><\/h2><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">Le syst\u00e8me du \u00ab Bonus-Malus \u00bb (la prime d\u2019assurance augmente ou diminue en fonction des accidents que vous avez eus dans le pass\u00e9) a \u00e9t\u00e9 revu. Chaque compagnie d\u2019assurance utilise sa propre grille d\u2019\u00e9valuation.<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>RC AUTO<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">Cette couverture est obligatoire et couvre les d\u00e9g\u00e2ts occasionn\u00e9s aux tiers, y compris\u2028les passagers de votre v\u00e9hicule \u00e0 l\u2019exception du conducteur, au cas o\u00f9 sa responsabilit\u00e9 est engag\u00e9e. Afin d\u2019obtenir des meilleures conditions tarifaires, n\u2019oubliez pas de demander \u00e0 votre assureur pr\u00e9c\u00e9dent une attestation \u00abno claim\u00bb. Les assureurs belges ne manqueront pas d\u2019en tenir compte.\u00a0<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>DEFENSE EN JUSTICE\u00a0<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">Pas obligatoire, mais recommand\u00e9e. Couvre la d\u00e9fense de vos int\u00e9r\u00eats, les frais d\u2019avocat et de proc\u00e8s en Belgique et \u00e0 l\u2019\u00e9tranger en cas de contestation des responsabilit\u00e9s (de plus en plus fr\u00e9quent de la part des particuliers et des compagnies d\u2019assurance).<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>\u00a0\u2018OMNIUM\u2019<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">Cette couverture est une option qui peut \u00eatre partielle ou totale. La full omnium couvre les d\u00e9g\u00e2ts mat\u00e9riels, que le conducteur soit en faute ou non. Elle couvre aussi le vol, le feu, les bris de glace, les forces de la nature. L\u2019omnium partielle, ou mini-omnium ne couvre pas les dommages \u00e0 votre v\u00e9hicule si votre responsabilit\u00e9 est engag\u00e9e ou par le fait du vandalisme. Dans tous les cas, ne pas avoir caus\u00e9 d\u2019accident dans les 5 ann\u00e9es ant\u00e9rieures aura une influence positive sur les primes \u00e0 payer.\u00a0<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a1d230e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a1d230e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2c73500\" data-id=\"2c73500\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d4a17d5 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"d4a17d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/expatsinbrussels.be\/fr\/administration\/assurances\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Source<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"featured_media":0,"template":"","categories_bruxelles":[36],"class_list":["post-3674","arcticles-bruxelles","type-arcticles-bruxelles","status-publish","hentry","categories_bruxelles-administration-assurances","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurances - Centre de sant\u00e9 le foyer<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lefoyerxl.be\/ar\/arcticles-bruxelles\/assurances\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurances - Centre de sant\u00e9 le foyer\" \/>\n<meta property=\"og:description\" content=\"Quelles sont les assurances l\u00e9galement obligatoires en Belgique ?\u2028 \u00a0&hellip; 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