Group Accident Insurance is a compulsory insurance designed to protect your staff. As an employer, you are legally required to insure your personnel against injuries resulting from an accident at work or an accident on the way to or from work. This insurance reimburses damage based on the victim’s salary in the event of death, temporary incapacity or permanent incapacity to work. It also covers medical expenses resulting from a covered accident.
"},"title":"What is Group Accident Insurance and who is it for?"},{"richBody":{"value":"The insurance contract has a duration of one year. It is automatically renewed each year on the annual expiry date, unless you terminate the contract no later than three months before that date. The premium can be fixed or calculated based on the insured person’s salary, meaning the gross salary without deductions, including all benefits.
"},"title":"How long does the contract last and how is the premium calculated?"},{"richBody":{"value":"This insurance provides protection for your employees against injuries resulting from:
In addition to the compulsory basic cover, you can choose optional additional coverages, such as paralegal insurance or guaranteed income. The insurance covers medical costs and provides guaranteed income for employees who are unable to work as the result of an accident. Claims can be submitted and tracked online, and accident victims have access to a simple, easy‑to‑understand guide. The insurance also includes free information on accident prevention.
"},"title":"What does group accident insurance cover?"},{"richBody":{"value":"In certain circumstances, accidents are not covered by this insurance. The main exclusions and limitations include, among others:
The full list of exclusions and limitations is detailed in the insurance product information document and the general terms and conditions.
"},"title":"What are the main exclusions and limitations?"},{"richBody":{"value":"Before signing, you should read the insurance product information document and the general terms and conditions. You can obtain the general terms and conditions at your ING branch.
General information about insurance policies and conflicts of interest is available:
If you are not entirely satisfied with the distribution of this product, ING’s Complaints Department and the Ombudsman are available to help. File your complaint here.
If your complaint concerns your AXA Personal Accident Insurance, you can contact AXA directly at customer.protection@axa.be Your complaint will be handled according to the applicable procedures.
"},"title":"What if I have a complaint or I’m not satisfied?"},{"richBody":{"value":"Reporting a claim
If an accident occurs, you can report the claim online via AXA’s professional platform.
If you prefer another method, you can download the declaration form, complete it and send it by email to claims.corporate.property@axa.be
For assistance, you can also call +32 2 550 05 55.
If you require legal assistance, download the legal assistance document, complete it and send it by email to declaration@lar.be
Changing your policy
To change your policy, go to AXA’s professional platform or send an email clearly stating your request to portfolio.corporate@axa.be
Terminating your policy
To terminate your policy, submit your request via AXA’s professional platform or download the termination form, complete it and send it by email to portfolio.corporate@axa.be
The Group Accident Insurance is subject to Belgian law. It is offered to you, subject to acceptance by :
Insurance intermediary ING Belgium SA/nv, an insurance broker registered with the FSMA under the code number 0403200393. Registered office: Avenue Marnix 24, B-1000 Brussels - RPR Brussels - VAT BE 0403.200.393 - www.ing.be - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.
Insurer AXA Belgium, S.A. of insurances authorised under n° 0039 to practise the life and non-life branches (KB04-07-1979, BS 14-07-1979) at the National Bank of Belgium, located at Boulevard de Berlaimont 14, B-1000 Brussels - Main office: Place du Trône 1 - B-1000 Brussels (Belgium) - Website: www. axa.be - Tel.: +32 2 678 61 11 - Fax: +32 2 678 93 40 - CBE no.: VAT BE 0404.483.367 RPR Brussels 7.06.5833 - 0616.
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/business/insurance"}},"componentType":"productHeader","coreHeader":{"body":"An accident at work, or while commuting, can have serious consequences for your employees and your organisation. As an employer, you have both a legal obligation and a responsibility of care. AXA Belgium's Group Accident Insurance (Work‑Related Accident Insurance) helps protect your staff against accidents at work and traffic accidents on the way to or from work, while supporting you as an employer.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/8ef851a88ac1f75/original/work-accident-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/b05b4695-9df7-4bb3-bcf2-29dde8d88c71/work-accident-1920","type":"image","width":1920},"subtitle":"Protect your employees when an accident happens at work or on the way","title":"Work‑related accident insurance for your staff"},"cta":{"componentType":"cta","textLink":{"text":"Already an ING client? Request a call","url":"https://ebanking.ing.be/banking/bset/intake-insurance?flow-step=ins-your-question"}},"secondaryCta":{"textLink":{"text":"Not a client yet? Talk to an ING advisor","url":"/en/business/services/contact-us"}}},"publishDate":"2026-05-07T13:26:02.395+02:00"}}