The legal pension is usually not enough to maintain your standard of living when you retire. To enjoy a happy retirement, it is best to build up a sufficient complementary pension yourself.
As a self-employed doctor, dentist, pharmacist, physiotherapist, speech therapist, midwife or nurse, the INAMI contract is an ideal basis for building up a complementary pension.
The INAMI contract in brief
Discover the main benefits of this pension insurance for affiliated healthcare providers.
A safe investment
With this branch 21 insurance policy, you benefit from the security of a protected capital and a guaranteed interest rate, which may be supplemented by an annual profit-sharing payment.
Simplified online application procedure
Simply request your INAMI intervention online and review your contract in detail with ProSanté. If you meet all the conditions, the INAMI will always pay the intervention into your contract by 15 January of the year following the contribution year (+2). For example, for the 2021 contribution year, the INAMI intervention will be paid by 15 January 2023 at the latest.
Additional guarantees
Thanks to the solidarity system, you benefit from financial protection in the event of incapacity for work, maternity, death, or serious illness.
Mortgage financing
You can use the accumulated reserve, even before your statutory retirement date, to purchase, build, or renovate a property in the European Economic Area.
Financed by the INAMI
Every year, you can request an INAMI intervention and pay it into an INAMI contract. This costs you nothing, as you do not pay the premiums yourself. Furthermore, no tax is withheld on these premiums.
Cumulative
You can easily combine this contract with a complementary pension for self-employed individuals, a group pension for self-employed individuals, a long-term savings plan, or a long-term investment plan.
* The 80% rule states that the sum of the legal pension (first pillar) of the worker and their complementary pensions (second pillar) built up by the employer may not exceed 80% of their last annual gross salary, based on a full career of 40 years. The complementary pension they can build up privately through long-term savings or long-term investment (third pillar) is not taken into account in this calculation.
Thanks to the payment of 10% of each INAMI intervention – minus the premium for incapacity for work – into a solidarity fund, you are entitled to:
The INAMI intervention is a financial compensation paid annually by the National Institute for Sickness and Disability Insurance to affiliated doctors, dentists, pharmacists, physiotherapists, speech therapists and independent nurses.
To benefit from the INAMI intervention, you must meet three conditions:
The amount of the INAMI intervention varies depending on the profession you practice. You will find an overview of the current applicable interventions below. You can choose to invest this amount in a complementary pension or in a guaranteed income insurance policy – the latter is not possible for speech therapists and independent nurses.
Manage your INAMI intervention on ProSanté.
| Profession | INAMI intervention 2023 (Application 2024) | INAMI intervention 2024 (Application 2025) |
|
Fully affiliated doctor, meeting the total activity threshold |
€5,546.26 |
€5,881.81 |
|
Fully affiliated doctor, meeting the reduced activity threshold, or partially affiliated doctor, meeting the total activity threshold |
€2,616.30 |
€2,774.59 |
|
Doctors/medical trainees as of 31/12/2023 or 31/12/2024 |
€7,465.04 |
€7,916.68* |
|
Fully or partially affiliated dentist (minimum activity threshold of 300 services/year) |
€3,523.05 |
€3,736.19 |
|
Full-time pharmacist |
€3,378.21 |
€3,582.59 |
|
Part-time pharmacist (28-38 hours/week) |
€2,533.63 |
€2,686.91 |
|
Half-time pharmacist (19-28 hours/week) |
€1,689.11 |
€1,791.30 |
| Physiotherapist |
€1,936.07, €2,558.37, €3,422.71, or no premium depending on services for 2023 |
€2,053.20, €2,713.15, €3,629.78, or no premium depending on services for 2024 |
| Speech therapist | €1,424.27, €2,937.54, or no premium depending on services for 2023 | €1,510.44, €3,115.26, or no premium depending on services for 2024 |
| Independent nurse or midwife | €593.44 or no premium depending on services for 2023 | €629.34 or no premium depending on services for 2024 |
The amounts mentioned for 2023 and 2024 have been indexed to the amounts for 2022 and 2023, except for the amount for midwives introduced for the first time in the 2023 premium year. These amounts are subject to confirmation on the INAMI website or modification by royal decree.
*This amount has not yet been confirmed by royal decree.
Expand your INAMI contract by incorporating additional guarantees for increased protection. Combine pension, investment, and insurance in a single advantageous policy.
Protect yourself and your loved ones from the financial consequences of incapacity for work due to illness or accident. Choose a monthly allowance or reimbursement of your pension premiums.
Ensure your family's standard of living after your death. Choose to pay a minimum capital in the event of death or additional capital in the event of accidental death.
The net amount of each premium – after deduction of taxes and entry fees – is invested until your pension (early) at the interest rate in force at the time of payment. This rate remains valid for the entire duration of the contract.
You also benefit from a possible annual profit-sharing payment on your premiums. This profit-sharing payment is not guaranteed, may vary from year to year, and depends on AG's results and the economic situation.
The gross overall return– the guaranteed interest rate + the profit-sharing payment – of the INAMI contract from AG was 2.40% in 2024. This return does not take into account fees and taxes.
Here is a summary table of the gross overall returns for the last five years. It relates to past returns and is not a reliable indicator of future return.
| Year | Gross Overall Yield |
| 2024 | 2,40% |
| 2023 | 2,30% |
| 2022 | 2,10% |
| 2021 | 1,80% |
| 2020 | 1,80% |
Your INAMI contract will be released on your statutory retirement date (early). When the capital is paid out, you pay an INAMI premium of 3.55% and a solidarity premium of up to 2% on the acquired capital and profit-sharing payment.
Furthermore, the capital is taxed according to the fictitious annuity system. This means that, for 10 or 13 years, you will have to declare a small percentage of the capital in your personal income tax return. The percentage to be declared and the duration of the declaration depend on your age at the time of pension payout.
Your profit-sharing payment is exempt from this taxation.
| Beneficiary's age Percentage | Pourcentage |
|
60 years |
3.5% |
|
61-62 years |
4% |
|
63-64 years |
4.5% |
| From the age of statutory retirement or after a full career, and in accordance with the legislation in force regarding pensions | Professionally active until this age: 5% on only 80% of the pension capital, otherwise 5% on the total amount |
Complementary pension insurances for workers are not covered by the protection regime applicable to branch 21 products and are therefore not covered by the Financial Services and Markets Authority.
Gather your latest pension statements for your statutory and complementary pensions. They are available on mypension.be.
Have these documents at hand during your interview with your advisor in the branch or online.
Receive a tailored proposal for an optimal pension plan in accordance with the 80% rule.
To reflect the responsible nature of its products, AG implements various strategies, including:
This product has ecological or social features but does not have a specific sustainable investment objective. You can find more information on AG's approach to sustainable and responsible investing applied to its branch 21 products.
The INAMI contract received the "Towards Sustainability" label in March 2020. Regularly re-evaluated and under permanent control, the label is a quality standard supervised by the Central Labelling Agency (CLA). To meet this standard, financial products must meet a number of minimum sustainability requirements, both at the portfolio and investment process levels. You can find more information about the label on towardssustainability.be.
Obtaining this label does not mean that the INAMI contract meets your own sustainability objectives.
Please read the general terms and conditions and the information sheet before concluding the contract.
Complaints can be made to BNP Paribas Fortis SA, Complaints Department (JQABD), Montagne du Parc 3, 1000 Brussels (tel. 02 228 72 18, email gestiondesplaintes@bnpparibasfortis.com), or via the online form available on www.bnpparibasfortis.be > Suggestions or complaints > online complaints form.
If you’re not happy with the proposed solution, you can send your complaint by post to the Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels – BCE 884.072.054 – Tel: 02 547 58 71– info@ombudsman-insurance.be – www.ombudsman-insurance.be.
Fiscally advantageous, the complementary pension for self-employed individuals or PLCI is a must for every entrepreneur, whether or not in a company, as well as for starters. It's never too early to think about your pension.
Are you a self-employed individual in a company? Combine your PLCI with an individual pension commitment or EIP. Your company pays the premiums for you and, under certain conditions, can deduct them fully in a fiscally advantageous way.
Are you a healthcare employee? Combine your INAMI contract with a complementary pension for self-employed individuals, or PLCI social. You save for your pension by deducting your premiums.
AG Insurance SA/nv – boulevard Émile Jacqmain 53, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – www.aginsurance.be - info@aginsurance.be. Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, boulevard de Berlaimont 14, B-1000 Brussels.
Intermediary: Montagne du Parc 3, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA, rue du Congrès 12-14, B-1000 Brussels, under code number 025879 and acting as a contractually appointed insurance agent on behalf of AG Insurance SA/nv. BNP Paribas Fortis SA/nv holds a stake of more than 10% in AG Insurance SA/nv.
