Premium Pack

Account insurance guarantees beneficiaries compensation equal to the credit balance of the insured account on the day before the accident that caused the death. Account insurance is a group insurance policy under Belgian law and renewable annually that BNP Paribas Fortis has opened with AG and to which you can affiliate. This affiliation is optional and ends automatically if you cancel (free of charge) early, the insured account is closed or the collective contract is terminated.

The main risks covered are:

• Accidental death, in particular as a result of a fall, traffic accident or drowning. In any event, a cause that is external to the insured person must be the origin of the accident leading to death.
• Death following an accident that occurred in the year before death is also covered. This term is reduced to 30 days for insured persons aged 70 years and over.

Main risks not covered:

• Death due to an internal medical cause, an intentional act of the beneficiary or an act on their initiative, suicide or attempted suicide or a state of alcohol intoxication.

The list of risks covered and risks not covered is not exhaustive.

Would you like to know more about account insurance? We encourage you to read the Key Information Document before taking out account insurance. The exact scope of the guarantees is listed in the general terms and conditions.

• Account insurance information document
• General terms and conditions of account insurance

You can also obtain these documents free of charge at any branch or by telephone via the Easy Banking Centre.

Complaints may be submitted to BNP Paribas Fortis SA/nv, Complaint Management, Warandeberg 3, B-1000 Brussels or to AG Insurance SA/nv, Complaint Management Department, Avenue E. Jacqmainlaan 53, B-1000 Brussels, by telephone on 02 664 02 00 or by e-mail: info@ombudsman-insurance.be.

If the solution proposed by BNP Paribas Fortis or AG is not satisfactory, you may submit the dispute to the Insurance Ombudsman (info@ombudsman-insurance.be), De Meeussquare 35, B-1000 Brussels or via the website www.ombudsman-insurance.be.

The Premium Bonus loyalty programme enables you to recover up to 12% of the monthly charges for your Premium Pack, or 100% of the annual fees.

It's quite simple°: when you use some of our products and services during a calendar year, your monthly charges for your Premium Pack are reimbursed, per product or service, calculated pro rate based on the number of months that you have the pack. An accurate, clear dashboard displays your Premium Bonus status on Easy Banking Web.

If you use your Easy Banking App to make at least 24 transfers before 31 December of the current year, you are automatically refunded one month's worth of monthly charges for your Premium Pack. This will be paid into your main account in February of the following year. The more bonus points you earn, the more you will be reimbursed.

• You have made at least 24 transactions with your Mastercard Gold credit card.
• You have a child under the age of 18 who has done at least 12 transactions with his/her Welcome Pack or you have paid at least 600 euros into an investment plan such as the Junior Future Plan (1) or into a Junior Invest Plan, an individual life insurance contract.
• You have made at least 24 transfers in euros through Easy Banking App. 

• You have an active Top Home fire insurance (2) and Top Family insurance contract.
• Attention, borrowing money also costs money.
• You have an ongoing energy loan.
• You have an active vehicle insurance (3) contract.
• You have annual travel insurance from Europ Assistance or Touring (4).

• You have at least paid the minimum amount towards your pension savings or have paid pension savings insurance.
• You have paid at least 1,200 euros into a pension savings insurance as part of a long-term savings plan.
• You have paid at least 1,200 euros into a Flexinvest plan.
• You have a custody account with a balance of at least 30,000 euros or you have financial insurance with a reserve of at least 30,000 euros.
• You have paid at least 1,200 euros towards an Easy Fund Plan (5).

We will call you at your convenience to arrange your switch to a Premium Pack.

Have your needs changed and does the Premium Pack seem like the best solution for you? Use this link to indicate when best to call you. We take care of everything.

Switch to the Premium Pack

Do you want to find out more about the Premium Pack and the Premium Bonus loyalty programme? Read the general terms and conditions below.

• General Terms and Conditions of the Premium Pack
• General Terms and Conditions Premium Bonus
• General banking terms and conditions
• Premium Pack pre-contractual information (pdf)
• Pre-contractual information debit card
• Pre-contractual information credit card
• Fee information document - Premium Pack 
• Glossary 
• Current account comparison tool (Wikifin search engine)
• General Terms and Conditions account insurance 
• Information sheet account insurance 

AG Insurance SA/nv – Boulevard E. Jacqmain/E. Jacqmainlaan 53, 1000 Brussels – Brussels Register of Companies – VAT BE 0404.494.849 – www.aginsurance.be. Insurance company authorised under code no. 0079, under the supervision of the National Bank of Belgium, Boulevard de Berlaimont/Berlaimontlaan 14, B-1000 Brussels. Intermediary: BNP Paribas Fortis SA/nv – Montagne du Parc 3, B-1000 Brussels - Brussels Register of Companies - VAT BE 0403.199.702, is registered under this number with the FSMA, Rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated through commissions, for AG Insurance SA/nv. BNP Paribas Fortis SA/nv holds more than 10% of the shares in AG Insurance SA/nv.

Complaints may be addressed to: BNP Paribas Fortis SA/nv – Complaints Management (1QA8D) – Montagne du Parc/Warandeberg 3, 1000 Brussels; Tel.: + 32 2 228 72 18, e-mail: gestiondesplaintes@bnpparibasfortis.com or using the online form at www.bnpparibasfortis.be > Suggestions or complaints > online declaration form. Alternatively, complaints may also be submitted to the Insurance Ombudsman at Square de Meeûs/De Meeûsplein 35, B-1000 Brussels. Tel.: + 32 2 547 58 71 – Fax: + 32 2 547 59 75 - www.ombudsman-insurance.be.

(1) Junior Future Plan is an investment insurance product without capital protection (branch 23). The Key Investor Information Document, the Management Regulations of all the funds of the Easy Fund Plan and the General Terms & Conditions are available for free in all BNP Paribas Fortis branches and on www.bnpparibasfortis.be/easyfundplan. Junior Invest Plan is an individual life insurance. BNP Paribas Fortis currently does not sell this product.

(2) Top Home is a fire insurance product of AG Insurance and Top Family is a third-party liability insurance product of AG. The General Terms and Conditions of Top Home and Top Family and the Information Document for these products are available for free from any BNP Paribas Fortis branch and on the BNP Paribas Fortis website.

Energy loan - Type of credit: instalment loan. The provisions relating to consumer credit as set out in Chapter 1, Title 4, Book VII of the Code of Economic Law apply. Subject to approval of your application by AlphaCredit SA/nv, lender, rue Montagne du Parc/Warandeberg 8 box C, B-1000 Brussels, Brussels Register of Companies, VAT BE0445.781.316. Tied agent: BNP Paribas Fortis SA/nv, Montagne du Parc/Warandeberg 3, B-1000 Brussels – Brussels Register of Companies – VAT BE 0403.199.702.

(3) The Vehicle Third-Party Liability Insurance is an AG insurance third-party liability insurance product sold by BNP Paribas Fortis. The General Terms and Conditions and the Information Document for this product are available free of charge from any BNP Paribas Fortis branch and on the BNP Paribas Fortis website.

(4) The annual Travel Insurance contract is an assistance insurance policy under Belgian law provided by Europ Assistance and sold by BNP Paribas Fortis. The General Terms and Conditions for this product can be found on the dedicated Touring page. BNP Paribas Fortis no longer sells Europ Assistance type assistance insurance contracts.

Touring roadside assistance Personal assistance is covered by ATV SA/nv, which has its registered office at Rue de la Loi/Wetstraat 44, 1040 Brussels, Belgium, Brussels Register of Companies 0441.208.161, ING BE69 6300 1222 3978 BBRUBEBB. It is an insurance company governed by Belgian law and accredited by the Royal Decrees of 11 January 1991 and 24 February 1992 (MB 13 February 1991 and 14 March 1992) and by the NBB under no. 1015 in order to carry out insurance operations in branches 9, 16, 17 and 18. Assistance for your vehicle is provided by the non-profit organisation Touring Club Royal de Belgique ASBL, a company governed by Belgian law, which has its registered office at Rue de la Loi/Wetstraat 44, 1040 Brussels, Belgium, Brussels Register of Companies 0403.471.597, CBC BE55 1910 4222 2244 CREGBEBB, FSMA no. 011210 cA, or by other car clubs in the FIA international network. The products are sold by BNP Paribas Fortis SA/nv – Montagne du Parc/Warandeberg 3, B-1000 Brussels - Brussels Register of Companies - VAT BE 0403.199.702, which is registered under this number with the FSMA, Rue du Congrès/Congresstraat 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated through commissions, for ATV SA/nv.

(5) Easy Fund Plan is an investment insurance without capital protection (branch 23). The Key Investor Information Document, the Management Regulations of all the funds of the Easy Fund Plan and the General Terms & Conditions are available for free in all BNP Paribas Fortis branches and on www.bnpparibasfortis.be/easyfundplan.