{"id":1936,"date":"2020-02-15T17:08:48","date_gmt":"2020-02-15T17:08:48","guid":{"rendered":"https:\/\/elitprotect.cmsdev.be\/fr\/?page_id=1936"},"modified":"2026-01-29T08:01:52","modified_gmt":"2026-01-29T08:01:52","slug":"elitis-top-cover-daxa-belgium-sa","status":"publish","type":"page","link":"https:\/\/april-belgium.be\/fr\/elitis-top-cover-daxa-belgium-sa\/","title":{"rendered":"ELITIS TOP COVER d&rsquo;AXA Belgium SA"},"content":{"rendered":"<h3>TYPE D\u2019ASSURANCE-VIE<\/h3>\n<p>Elitis Top Cover est une <strong>assurance d\u00e9c\u00e8s temporaire<\/strong> (branche 21) servant \u00e0 garantir ou non le remboursement d\u2019un cr\u00e9dit.<\/p>\n<p>Deux formules sont possibles :<\/p>\n<ul>\n<li>Soit une temporaire d\u00e9c\u00e8s \u00e0 <strong>capital d\u00e9croissant<\/strong> (Assurance solde restant d\u00fb)<\/li>\n<li>Soit une temporaire d\u00e9c\u00e8s \u00e0 <strong>capital constant<\/strong><\/li>\n<\/ul>\n<h3>POUR QUI ?<\/h3>\n<p>Le produit Elitis Top Cover s\u2019adresse aux personnes physiques souhaitant mettre \u00e0 l\u2019abri leurs proches contre les <strong>cons\u00e9quences financi\u00e8res li\u00e9es \u00e0 leur d\u00e9c\u00e8s<\/strong> et aux personnes morales souhaitant assurer la p\u00e9rennit\u00e9 de leur entreprise<\/p>\n<div class=\"produit_illustration\">\n<h3>GARANTIES DE L\u2019ASSURANCE<\/h3>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-3371\" src=\"https:\/\/aprildev.cmsdev.be\/wp-content\/uploads\/produit-assurance-2021.png\" alt=\"\" width=\"686\" height=\"778\" srcset=\"https:\/\/april-belgium.be\/wp-content\/uploads\/produit-assurance-2021.png 686w, https:\/\/april-belgium.be\/wp-content\/uploads\/produit-assurance-2021-353x400.png 353w\" sizes=\"(max-width: 686px) 100vw, 686px\" \/><\/p>\n<p>En cas de d\u00e9c\u00e8s \u00e0 la suite d\u2019une maladie ou un accident durant la vie du contrat, AXA Belgium SA intervient pour le <strong>solde restant d\u00fb du cr\u00e9dit<\/strong> (en totalit\u00e9 ou une partie) ou pour le capital constant fix\u00e9 \u00e0 la souscription du contrat. Ce capital est vers\u00e9 aux <strong>b\u00e9n\u00e9ficiaires<\/strong> d\u00e9sign\u00e9s \u00e0 la souscription du contrat et\/ou \u00e0 l\u2019<strong>organisme pr\u00eateur<\/strong> pour le solde restant d\u00fb du cr\u00e9dit.<\/p>\n<p>Le capital assur\u00e9 est \u00e0 d\u00e9terminer librement par le client mais s\u2019\u00e9l\u00e8ve \u00e0 <strong>minimum 35.000\u20ac et maximum 1.000.000\u20ac<\/strong>.<\/p>\n<h3>DUR\u00c9E DU CONTRAT<\/h3>\n<p>La dur\u00e9e est de <strong>minimum 3 ans<\/strong> (contrat fiscal : 10 ans)<\/p>\n<ul>\n<li>La dur\u00e9e de l\u2019assurance d\u00e9pend de la dur\u00e9e de vie de l\u2019assur\u00e9<\/li>\n<li>L\u2019\u00e2ge \u00e0 la souscription doit se situer entre 18 et 75 ans<\/li>\n<li>Le client peut racheter le contrat pr\u00e9matur\u00e9ment.<\/li>\n<\/ul>\n<\/div>\n<h3>LA PRIME D\u2019ASSURANCE<\/h3>\n<p>La prime d\u00e9pend de plusieurs crit\u00e8res de <a href=\"\/wp-content\/uploads\/documents\/SegmentationTarifaire_FR.pdf\">segmentation tarifaire<\/a>.<\/p>\n<p>Diff\u00e9rents <strong>modes de paiement<\/strong> des primes sont possibles :<\/p>\n<ul>\n<li>En <strong>prime unique<\/strong><\/li>\n<li>En <strong>primes de risque<\/strong> : la prime est recalcul\u00e9e \u00e0 chaque \u00e9ch\u00e9ance en fonction de l\u2019\u00e9volution du capital et de l\u2019\u00e2ge de l\u2019assur\u00e9. Payable\u00a0pendant toute la dur\u00e9e du contrat.<\/li>\n<li>En <strong>primes constantes<\/strong> : primes constantes pendant toute la dur\u00e9e de paiement. Payable durant 2\/3 de la dur\u00e9e (solde restant d\u00fb) ou\u00a0pendant toute la dur\u00e9e du contrat (temporaire capital constant).<\/li>\n<\/ul>\n<p>La prime peut \u00eatre pay\u00e9e <strong>mensuellement<\/strong> (pas de montant minimum) ou <strong>annuellement<\/strong>. En cas de payement mensuel, la<br \/>\ndomiciliation est obligatoire.<\/p>\n<h3>LE CADRE FISCAL<\/h3>\n<ul>\n<li>Sur les versements effectu\u00e9s par une personne physique dont le domicile fiscal est en Belgique, une taxe de <strong>2%<\/strong> sera retenue.<\/li>\n<li>La taxe est r\u00e9duite \u00e0 <strong>1,10%<\/strong> pour les assurances d\u00e9c\u00e8s \u00e0 capital d\u00e9croissant, souscrites par des personnes physiques, qui servent \u00e0 la garantie d\u2019un cr\u00e9dit hypoth\u00e9caire pour l\u2019acquisition ou la conservation d\u2019un bien immobilier.<\/li>\n<li>Sur les versements ex\u00e9cut\u00e9s par une personne morale, une taxe de <strong>4,4%<\/strong> sera retenue.<\/li>\n<\/ul>\n<h3>LES PRINCIPALES EXCLUSIONS<\/h3>\n<p>Les principales exclusions de la garantie principale d\u00e9c\u00e8s sont: suicide de l\u2019assur\u00e9 au cours de la premi\u00e8re ann\u00e9e, fait intentionnel, fait de guerre, \u00e9meutes, transmutations de noyaux ou de la radioactivit\u00e9, navigation a\u00e9rienne.<\/p>\n<p>Les exclusions pr\u00e9cit\u00e9es ne sont pas exhaustives. Pour de plus amples informations, vous pouvez consulter nos <a href=\"\/wp-content\/uploads\/documents\/ElitisTopCover_CG_FR.pdf\">conditions g\u00e9n\u00e9rales<\/a>.<\/p>\n<h3>QUE FAIRE EN CAS DE PLAINTE ?<\/h3>\n<p>Toute plainte peut \u00eatre adress\u00e9e par courrier \u00e0 APRIL Belgium, Dr\u00e8ve Richelle 161 I, bo\u00eete 69 &#8211; 1410 Waterloo ou par e-mail \u00e0 <a href=\"#\">support.be@april.com<\/a>. En cas de d\u00e9saccord ou si vous n\u2019\u00eates pas satisfait de la r\u00e9ponse, vous pouvez soumettre votre plainte \u00e0 l\u2019ombudsman des assurances (1000 Bruxelles, Square de Mee\u00fbs, 35; tel: 02\/547.58.71 \u2013 Fax: 02\/547.58.71 \u2013 Mail: <a href=\"mailto:info@ombudsman.as\">info@ombudsman.as<\/a> \u2013 <a href=\"https:\/\/www.ombudsman-insurance.be\/\">www.ombudsman.as<\/a>)<\/p>\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>TYPE D\u2019ASSURANCE-VIE Elitis Top Cover est une assurance d\u00e9c\u00e8s temporaire (branche 21) servant \u00e0 garantir ou non le remboursement d\u2019un cr\u00e9dit. Deux formules sont possibles : Soit une temporaire d\u00e9c\u00e8s \u00e0 capital d\u00e9croissant (Assurance solde restant d\u00fb) Soit une temporaire d\u00e9c\u00e8s \u00e0 capital constant POUR QUI ? Le produit Elitis Top Cover s\u2019adresse aux personnes &hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-elitis-produits.php","meta":{"footnotes":""},"class_list":["post-1936","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ELITIS TOP COVER d&#039;AXA Belgium SA - Mr.<\/title>\n<meta name=\"description\" content=\"Assurance d\u00e9c\u00e8s temporaire, capital assur\u00e9 de 35000 \u00e0 1 million \u20ac, formalit\u00e9s m\u00e9dicales sans intervention du m\u00e9decin jusqu&#039;\u00e0 55 ans et 500000 \u20ac.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/april-belgium.be\/nl\/elitis-top-cover-daxa-belgium-sa-nl\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ELITIS TOP COVER d&#039;AXA Belgium SA - 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