{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Did you know you can use your NIHDI allowance to top up your private pension or guaranteed income insurance? And without a medical questionnaire!","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"In a nutshell"},{"componentType":"productFeatures","highlighted":false,"image":{"extension":"png","original":"https://assets.ing.com/m/7c41918a32e2162/original/pension.png","transformBaseUrl":"https://assets.ing.com/transform/dbd3a772-7470-4ae9-95ca-0d3a9e69c4fe/pension","type":"image","width":160},"items":[{"body":"Make the most of your NIHDI allowance and build up a nice pension at no extra cost. Enjoy a guaranteed interest rate and possible profit-sharing.","title":"Smart saving"},{"body":"Your PSPS contributions are fully deductible from your taxable income. So you pay less tax while saving for later.","title":"Fiscally advantageous"},{"body":"Protect your family and income through optional disability and death cover.","title":"Extra peace of mind"}]},{"componentType":"paragraph","richBody":{"value":"<p>Simplify appointment management in your practice and offer your patients the best experience.</p><p><a href=\"https://www.doctena.com/nl-be/?origin=cpp\"><strong>Find out more</strong></a></p>"},"title":"Temporary exclusive offer: €50 reduction on your Doctena Pro membership"},{"componentType":"sectionTitle","title":"NIHDI pension solution: what is it and who’s it for?"},{"componentType":"paragraph","richBody":{"value":"<p>Discover a unique pension solution for healthcare providers under contract such as doctors, dentists, pharmacists, physiotherapists, speech therapists and nurses. It allows you to build up a supplementary pension using your NIHDI allowance. You can also use the allowance for a life insurance payout or in the event of disability. After all, an accident can happen to anyone, so this is the best way to protect yourself.</p><p>Check annually on <strong>ProGezondheid/ProSanté</strong> to see if you meet the conditions and get the maximum benefits!</p><p>Ask your ING banker for the terms and conditions before signing up.</p>"}},{"componentType":"sectionTitle","title":"Why save for later with a NIHDI pension solution?"},{"componentType":"paragraph","richBody":{"value":"<p><strong>Get an annual guaranteed interest rate with possible profit share</strong></p><p>Your deposited amounts enjoy an annually reviewable, guaranteed interest rate. Is AXA making a profit? Then you may share in that profit! You’ll find this all clearly mentioned in your contract’s annual statements.</p><p><strong>Multiple uses</strong></p><p>Use your NIHDI allowance for:</p><ul><li>building up a supplementary pension through a social pension agreement</li><li>and/or the accumulation of a guaranteed income</li><li>possibly combined) with additional life insurance</li></ul><p>And all this in just <strong>one simple contract</strong>!</p><p><strong>What is the distribution?</strong></p><p>From the NIHDI allowance, which is paid into the social pension contract,</p><ul><li>90% goes to the pension section</li><li>10% goes into a solidarity fund set up by Social Insurance Fund for Self-Employed and Enterprises</li></ul><p><strong>Fiscally advantageous</strong></p><p>Unlike group insurance, individual pension contributions and life insurance, you don’t pay any tax on the premiums.</p><p><strong>Extra protection thanks to solidarity guarantees, without a medical questionnaire</strong></p><p>Among other things, funding the accrual of the supplementary retirement and/or survivor&apos;s pension under:</p><ul><li>incapacity for work or maternity</li><li>bankruptcy</li><li>compensation for loss of income in the event of incapacity for work</li><li>compensation in the form of interest payments in case of death during your working life</li><li>lump-sum payment in case of serious illness during your working life.</li></ul>"}},{"componentType":"sectionTitle","title":"Optional additional cover"},{"componentType":"paragraph","richBody":{"value":"<p>In addition to the solidarity guarantees in your NIHDI pension solution, you can also take out the following additional cover:</p><ul><li><strong>Cover against disability</strong><br />Protect yourself against the consequences of long-term illness, depression or an accident. You will receive a predetermined monthly interest rate when you take out the contract</li><li><strong>Death cover</strong><br />Give yourself extra peace of mind: take care of your family in case of your untimely death.</li></ul>"}},{"componentType":"sectionTitle","title":"Interested?"},{"componentType":"paragraph","richBody":{"value":"<p><strong>Get in touch</strong><strong> </strong>for more information on guarantees, exclusions and costs.</p>"}},{"componentType":"sectionTitle","title":"Complaints"},{"componentType":"paragraph","richBody":{"value":"<p>Our Complaints Department and Ombudsman are there to help you.  </p><p><a href=\"https://www.ing.be/en/individuals/services/complaint-handling\">How do I submit a complaint? </a></p><p>We will then forward your question to AXA, who will follow it up. </p><p> </p>"}},{"componentType":"sectionTitle","title":"Legal provisions"},{"componentType":"paragraph","richBody":{"value":"<p><strong>Insurance intermediary </strong>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 - <a data-type=\"internal\" href=\"/en/business\">www.ing.be</a> - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.</p><p><strong>Insurer</strong> 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: <a href=\"http://www.%20axa.be/\">www. axa.be</a> - Tel.: <a href=\"tel:003226786111\">+32 2 678 61 11</a> - Fax: <a href=\"tel:003226789340\">+32 2 678 93 40</a> - CBE no.: VAT BE 0404.483.367 RPR Brussels 7.06.5833 - 0616.</p>"},"title":"The liability insurance is subject to Belgian law. It is offered to you, subject to acceptance, by :"},{"componentType":"sectionTitle","title":"Making declarations or changing policy"},{"componentType":"paragraph","richBody":{"value":"<p><strong>Accident?</strong><br />Go to <a href=\"https://myaxapro.corporate.axa.be/fr\">https://myaxapro.corporate.axa.be/fr</a> and report the claim.</p><p><strong>Do you prefer another way?</strong></p><ul><li>Accident? <a href=\"https://assets.ing.com/m/30b3acf4687140d8/IT-sinistre-FR.pdf\">Download the declaration form (PDF - FR)</a> complete it and email it to <a href=\"mailto:claims.corporate.property@axa.be\">claims.corporate.property@axa.be.</a> Or call +32 2 550 05 55 for assistance</li><li>Do you need legal assistance? <a href=\"https://assets.ing.com/m/a43c4c4a09998cfd/IT-juridisch-FR.pdf\">Download this document (PDF - FR),</a> complete it and email it to <a href=\"mailto:declaration@lar.be\">declaration@lar.be.</a></li></ul><p><strong>Changing your policy</strong><br />Go to <a href=\"https://myaxapro.corporate.axa.be/fr\">https://myaxapro.corporate.axa.be/fr</a> or send an email to <a href=\"mailto:portfolio.corporate@axa.be\">portfolio.corporate@axa.be</a> stating what you&apos;d like to change.</p><p><strong>Terminating your policy</strong><br />Go to <a href=\"https://myaxapro.corporate.axa.be/fr\">https://myaxapro.corporate.axa.be/fr</a> or <a href=\"https://assets.ing.com/m/f093d45ab284119c/IT-opzeg-FR.pdf\">download the termination form (PDF - FR)</a>, complete it and email it to <a href=\"mailto:portfolio.corporate@axa.be\">portfolio.corporate@axa.be</a>.</p>"},"title":"Reporting a claim"},{"componentType":"sectionTitle","title":"Services and contact"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/34fab1afc809844b/original/umbrella.svg","transformBaseUrl":"https://assets.ing.com/transform/2d4e4d8d-936e-4347-92f1-9d4e4c001936/umbrella","type":"image","width":160},"intro":"Report damage, change policy or download documents","link":{"url":"/en/business/services/my-business-insurances"},"title":"Insurances"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/f5ec0c318624c39/original/Functionalities-Dialer_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/3887de27-b99a-40bc-bb6a-6c71db336507/Functionalities-Dialer_Outline","type":"image","width":32},"intro":"Call our helpdesk at +32 2 464 64 04.","link":{"url":"/en/business/insurance/civil-liability"},"title":"Other questions regarding this AXA insurance?"}],"componentType":"cards"}]},"hasMacro":false,"id":"be4bb02f-d284-4262-b82a-bf2354956644","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/business/insurance"}},"componentType":"productHeader","coreHeader":{"body":"Are you a healthcare provider under contract? Good news! You can use your NIHDI allowance to build up your private supplementary pension for the self-employed (PSPS) or Guaranteed Income insurance, without a medical questionnaire. This special offer takes care of almost all your administration. Moreover, thanks to the close cooperation with the NIHDI you get quick, accurate answers and even help in the event of a dispute. Discover how easy it is!\r\n\r\nWant more information? Contact your ING banker before signing up.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/5d1f05617b04e311/original/belgium-healthcare-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/034d55f5-29f1-4830-b8aa-46ba70440eab/belgium-healthcare-1920","type":"image","width":1920},"subtitle":"NIHDI pension solution for healthcare providers under contract. Insurer: AXA Belgium.","title":"Use your NIHDI allowance for your pension? Yes you can!"},"cta":{"componentType":"cta","textLink":{"text":"Apply for your pension solution","url":"https://ebanking.ing.be/banking/bset/intake-insurance?flow-step=ins-your-question"}},"secondaryCta":{"textLink":{"text":"Not yet a customer?","url":"/en/business/payments/open-a-professional-account"}}},"publishDate":"2026-01-09T11:02:41.745+01:00"}}