VD Hearing lmplant

VD Hearing Implant is a product from insurer Allianz Benelux. This is an all-risk insurance that covers material damage to your hearing aids.

Concise overview of the coverages offered

Please consult the IPID sheet and the general and/or special terms and conditions regarding the chosen insurance product for detailed information about the rights and obligations of the insurance company and the insured.

Your basic coverage

The purpose of the insurance is to compensate

for the insured hearing aid in case of material damage and theft according to one of the chosen formulas:

• The basic formula covers, in addition to theft with forced entry, all sudden and unforeseeable material damage to your hearing aid.
• With the extended formula, you are additionally covered against loss and theft or attempted theft of your hearing aid.

Insured amounts

• Replacement value of an equivalent device, taking into account RIZIV rates

Concise overview of the main risks NOT covered by the insurance

Please

consult the IPID sheet and the general and/or special terms and conditions regarding the chosen insurance product for detailed information about the rights and obligations of the insurance company and the insured.

Main common exclusions

• Labor disputes
• War, acts of violence, terrorism, or malice

Exclusions from the basic coverage

• Theft or attempted theft of equipment left in your vehicle without taking the prescribed security measures
• Damage covered under a supplier's warranty
• Indirect damage: loss of profit, loss of use, production loss
• Progressive damage due to wear and tear
• Aesthetic damage
• Damage resulting from: the use, authorized or unauthorized, of a computer or, in general, of any computer system, computer software, malicious code, a computer virus, and any other electronic system is not covered unless this leads to an insured event as described in the policy (conditions) and/or additional clauses.

Essential limitations

on basic coverage Material intended for sale (not covered)

Deductibles

Deductible per claim and per insured BASIC:

• General: 123.95 euros per claim
• Theft with forced entry: 10% with a minimum of 500.00 euros

Deductible per claim and per insured EXTENDED:

• General: 123.95 euros per claim
• Theft with forced entry: 10% with a minimum of 500.00 euros
• Disappearance by CI user over 7 years: 10% with a minimum of 500.00 euros

Disappearance by CI user under 7 years: 20% with a minimum of 500.00 euros

General terms

and contract documents

You can find the IPID sheet (Insurance Product Information Document)

You can find the general terms and conditions of this insurance product

It is necessary to read these documents before accepting  or signing the financial product. The documents are available via the links above or can be requested from our office.

Legal information and complaints management

Belgian law applies to the insurance contract.

The country of origin of the manufacturer of the product: product offered by Allianz Benelux NV, Lakensestraat 35, 1000 Brussels.

Location where you can receive an offer together with a premium calculation: Insurance office Van Dessel NV, Misstraat 112, 2590 Berlaar.p>

The duration of the product is one year. Your policy will be tacitly renewed each year after the end date unless you (notice period 2 months) or we (notice period 3 months) terminate the policy by registered mail, by bailiff's writ, or by delivery of the termination letter against receipt, subject to the aforementioned notice period. If you are a consumer, you can, after the expiry of one year from the start of the insurance contract, cancel the automatically renewable contracts without costs or penalties. The cancellation takes effect after a period of two months.

Any complaint regarding this offer or the insurance contract can be addressed to the internal complaints service of Insurance office Van Dessel NV, Misstraat 112, 2590 Berlaar, mailto:info@vandessel.be.p>

If you do not agree with the result of the handling of your complaint, you can file a complaint with the non-profit organization Ombudsman of Insurance, Meeûs Square 35, 1000 Brussels Tel: 02/547 58 71; Fax: 02/547 59 75; mailto:info@ombudsman-insurance.bea>; http://www.ombudsman-insurance.be/-insurance.be. Complaints must be submitted in writing. Filing a complaint does not affect the policyholder’s right to initiate legal proceedings.