Solutions
Hearing implants insurance
Our Hearing Implants or CI (cochlear implant) insurance covers the often high costs of hearing aids.
VD Hearing implants insurance is a product offered by insurance company Allianz Benelux.
Why take out a Hearing Implants insurance?
For people with significant hearing loss, a hearing implant makes a world of difference. Unfortunately, these high-technology appliances are not only expensive, but also very fragile. A proper insurance is therefore necessary. We offer you a unique and affordable insurance for your hearing implant.
Exactly what can you insure?
VD CI Solutions insures your BAHA, VSB, BB or Ponto hearing devices.
What is covered by our Hearing Implants insurance?
You can choose between 2 formulas:
- The basic formula covers damage due to external causes (fall, theft with forced entry, etc.), human factors (clumsiness, etc.) and technical factors (failure, etc.).
- The extended formula also covers the loss and (damage due to attempted) theft of your cochlear implant.
There are a limited number of exclusions: damage as a result of wear and tear or poor maintenance, damage to batteries or cables, etc. You will find a complete overview of the exclusions in the general terms and conditions.
What compensation will you receive in the event of damage?
You will receive a new-for-old value reimbursement:
- for appliances up to 6 years old under the extended formula. After this period, the actual value at the time of damage will be reimbursed.
- for appliances up to 2 years old under the basic formula. Afterwards, the actual value at the time of damage will be reimbursed.
In the event of loss, you must report the loss to the police within 24 hours.
Delen
VD Hearing implants insurance is a product offered by insurance company Allianz Benelux. This is an all-risk insurance policy that covers material damage to your hearing implants (eventually sound processor, related devices and accessories).
Brief description of the coverages offered
For detailed information on the rights and obligations of the insurance company and the insured, please refer to the IPID sheet and the general and/or special terms and conditions of the selected insurance product.
Your basic guarantee
- Theft and all sudden and unforeseeable damage to hearing implants (eventually sound processor, related devices and accessories) stated in your contract
- The purpose of the insurance is to reimburse the insured implant in case of material damage and theft, according to one of the chosen formulas:
- BASIC: covers unforeseen and sudden damages due to external causes (fall, theft with break-in, etc.), human factors (clumsiness, etc.), technical factors (disruption, etc.)
- EXTENDED: BASIC conditions, with extension to cover disappearance (unforeseen and sudden loss)
Insured amounts
- New value of an equivalent device, taking the NIHDI scales into account
- In case of a bilateral implant, the value of the hearing aids is insured at 75%, and is to be verified via the serial number
Brief description of the major risks NOT covered by the insurance
For detailed information on the rights and obligations of the insurance company and the insured, please refer to the IPID sheet and the general and/or special terms and conditions of the selected insurance product.
Major common exclusions
- Labour disputes, natural disasters
- War, acts of violence, terrorism or malice
Exclusions from the basic guarantee
- Theft or attempted theft of the equipment you leave in your vehicle without taking the prescribed security measures
- Damage under the guarantee of a supplier
- Indirect damage: loss of profit, loss of use, loss of production
- Progressive damage due to wear and tear
- Aesthetic damage
- Damage resulting from: the use, unauthorised or not, of a computer or, in general, any computer system, computer software, malicious codes, a computer virus and any other electronic system is not insured unless it results in an insured event as described in the policy (conditions) and/or the additional clauses
Essential limitations on the basic guarantee
Material intended for sale (not covered)
Exemptions
Exemption per claim and per BASIC insured party:
- General information: EUR 123,95 per claim
- Theft with breaking and entering: 10%, with a minimum of EUR 500,00
Exemption per claim and per EXTENDED insured party:
- General information: EUR 123,95 per claim
- Loss by CI user over 7 years of age: 10%, with a minimum of EUR 500,00
- Loss by CI user under 7 years of age: 20%, with a minimum of EUR 500,00
General Terms and Conditions and Contractual Documents
The IPID sheet (Information document on insurance product) can be found here.
The general terms and conditions of this insurance product can be found here.
It is essential that you review these documents before giving your approval to the financial product or signing it. The documents are available via the above links or can be requested from our office.
Legal Information and Complaints Management
The insurance contract is governed by Belgian law.
Origin of the product developer: product offered by Allianz Benelux NV, Lakensestraat 35, 1000 Brussels.
Location where you can get a quote together with a calculation of the premium: Verzekeringskantoor Van Dessel NV, Misstraat 112, 2590 Berlaar.
The term of the product is one year. At expiry, the contract shall be tacitly renewed on a yearly basis, unless notice of termination is given by one of the parties at least 3 months prior to the expiry date via registered letter, bailiff's writ or by handing over the letter of termination against acknowledgement of receipt.
Any complaint regarding this offer or the insurance contract can be addressed to the internal complaints department of Verzekeringskantoor Van Dessel NV, Misstraat 112, 2590 Berlaar, info@vandessel.be.
If you disagree with the outcome of the complaint handling, you can submit a complaint to the VZW Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels; Tel No: 02/ 547 58 71; Fax No: 02/ 547 59 75; info@ombudsman.as; www.ombudsman.as. Complaints must be submitted in writing. Submitting a complaint does not affect the policyholder's right to take legal action.