{"id":2236,"date":"2020-02-25T15:21:45","date_gmt":"2020-02-25T15:21:45","guid":{"rendered":"https:\/\/april-belgium.be\/fr\/?page_id=2236"},"modified":"2026-01-29T08:01:52","modified_gmt":"2026-01-29T08:01:52","slug":"elitis-blue-cover-de-federale-assurances","status":"publish","type":"page","link":"https:\/\/april-belgium.be\/fr\/elitis-blue-cover-de-federale-assurances\/","title":{"rendered":"ELITIS BLUE COVER de F\u00e9d\u00e9rale Assurance"},"content":{"rendered":"<h3>TYPE D\u2019ASSURANCE-VIE<\/h3>\n<p>Elitis Blue 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 Blue 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\" sizes=\"(max-width: 686px) 100vw, 686px\" 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\" alt=\"\" width=\"686\" height=\"778\" \/><\/p>\n<p>Ce contrat d\u2019assurance garantit, au d\u00e9c\u00e8s de l\u2019assur\u00e9 avant la date d\u2019\u00e9ch\u00e9ance du contrat d\u2019assurance, le versement d\u2019un capital fixe \u00e0 un b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9 par le preneur d\u2019assurance.<\/p>\n<ul>\n<li>Dans le cas d\u2019une assurance temporaire d\u00e9c\u00e8s \u00e0 capital constant, <strong>ce capital est un montant fixe<\/strong>\u00a0;<\/li>\n<li>Dans le cas d\u2019une assurance solde restant d\u00fb, ce capital est \u00e9gal \u00e0 la dette en cours au moment du d\u00e9c\u00e8s ou au \u00ab\u00a0solde du cr\u00e9dit\u00a0\u00bb. Ce capital est vers\u00e9 \u00e0 l\u2019\u00e9tablissement de cr\u00e9dit concern\u00e9.<\/li>\n<\/ul>\n<p>Le capital assur\u00e9 est \u00e0 d\u00e9terminer librement par le client mais s\u2019\u00e9l\u00e8ve \u00e0 un minimum de 300.000\u20ac et \u00e0 un maximum de 20.000.000\u20ac.<\/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>La dur\u00e9e maximale d\u2019un contrat servant \u00e0 couvrir les droits de succession est de 3 ans<\/li>\n<li>L\u2019\u00e2ge \u00e0 la souscription doit se situer entre 18 et 70 ans* <br \/>\n<span style=\"font-size: 8pt;\">(* en cas de contrat servant \u00e0 la couverture des droits de succession, dont la dur\u00e9e du contrat est de maximum 3 ans, l\u2019\u00e2ge maximum \u00e0 la souscription peut \u00eatre port\u00e9 \u00e0 75 ans)<\/span><\/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>La prime d\u00e9pend de l\u2019acceptation m\u00e9dicale.<\/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 domiciliation 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<br \/>\nde 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=\"https:\/\/april-belgium.be\/wp-content\/uploads\/APRIL-Elitis-Blue-Cover-Info-Financiere.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 \u2013 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>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>TYPE D\u2019ASSURANCE-VIE Elitis Blue 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 Blue 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-2236","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ELITIS BLUE COVER de F\u00e9d\u00e9rale Assurance - APRIL Belgium<\/title>\n<meta name=\"description\" content=\"Assurance d\u00e9c\u00e8s temporaire, capitaux assur\u00e9s de 300 000 \u00e0 20 millions d&#039;euros. 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