{"id":2239,"date":"2020-02-25T15:28:15","date_gmt":"2020-02-25T15:28:15","guid":{"rendered":"https:\/\/april-belgium.be\/fr\/?page_id=2239"},"modified":"2026-01-29T08:01:52","modified_gmt":"2026-01-29T08:01:52","slug":"elantis-immo-cover-de-belins-sa","status":"publish","type":"page","link":"https:\/\/april-belgium.be\/fr\/elantis-immo-cover-de-belins-sa\/","title":{"rendered":"ELANTIS IMMO COVER+ de Belins SA"},"content":{"rendered":"<h3>TYPE D\u2019ASSURANCE-VIE<\/h3>\n<p>Elantis Immo Cover+ est une <strong>assurance d\u00e9c\u00e8s temporaire<\/strong> (branche 21) servant \u00e0 garantir ou non le remboursement d\u2019un cr\u00e9dit hypoth\u00e9caire.<\/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 Elantis Immo 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><strong>Garantie principale toutes causes<\/strong><\/p>\n<p>En cas de d\u00e9c\u00e8s \u00e0 la suite d\u2019une maladie ou un accident durant la vie du contrat, Belins SA intervient pour le solde restant d\u00fb du cr\u00e9dit (en totalit\u00e9 ou une partie) ou pour le capital constant fix\u00e9 \u00e0 la souscription du contrat. Ce capital est vers\u00e9 \u00e0 Elantis ou aux b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s \u00e0 la souscription du contrat.<\/p>\n<p>Le capital assur\u00e9 est \u00e0 d\u00e9terminer librement par le client mais s\u2019\u00e9l\u00e8ve \u00e0 un minimum de 25.000\u20ac et \u00e0 un maximum de 750.000\u20ac.<\/p>\n<p><strong>Assurance compl\u00e9mentaire du risque d\u00e9c\u00e8s par accident (ACRA)<\/strong><\/p>\n<p>En cas de d\u00e9c\u00e8s par accident, le capital d\u00e9c\u00e8s est doubl\u00e9.<\/p>\n<h3>DUR\u00c9E DU CONTRAT<\/h3>\n<ul>\n<li>La dur\u00e9e est de minimum 5 ans (contrat fiscal : 10 ans)<\/li>\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 70 ans<\/li>\n<li>L\u2019\u00e2ge maximum au terme est de 75 ans\u00a0<\/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>La prime d\u00e9pend de l\u2019acceptation m\u00e9dicale.<\/p>\n<p>Le tarif est garanti pour une p\u00e9riode de 3 ans. Apr\u00e8s cette p\u00e9riode, Belins SA se r\u00e9serve le droit d\u2019adapter le tarif collectivement. Les primes peuvent \u00e9galement \u00eatre modifi\u00e9es si la l\u00e9gislation ou les superviseurs y obligent Belins SA.<\/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 l&rsquo;assurance principale du risque de d\u00e9c\u00e8s accidentel sont : le suicide de l&rsquo;assur\u00e9 au cours de la premi\u00e8re ann\u00e9e, la volont\u00e9 d\u00e9lib\u00e9r\u00e9e, la guerre, l&rsquo;insurrection, la transmutation nucl\u00e9aire et l&rsquo;activit\u00e9 radioactive, l&rsquo;aviation.<br \/>\nL&rsquo;assurance compl\u00e9mentaire du risque de d\u00e9c\u00e8s accidentel (ACRA) concerne : ivresse, intoxication alcoolique, stup\u00e9fiants ou autres drogues, sports dangereux, activit\u00e9 professionnelle dangereuse (militaire, cascadeur), sportif professionnel&#8230;.<\/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\/114538-ELANTISIMMOCOVER-20250100_Conditions-Generales.pdf\" target=\"_blank\" rel=\"noopener\">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 Elantis Immo Cover+ est une assurance d\u00e9c\u00e8s temporaire (branche 21) servant \u00e0 garantir ou non le remboursement d\u2019un cr\u00e9dit hypoth\u00e9caire. 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 Elantis Immo Cover+ s\u2019adresse aux &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-2239","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ELANTIS IMMO COVER+ de Belins SA - APRIL Belgium<\/title>\n<meta name=\"description\" content=\"Une assurance d\u00e9c\u00e8s temporaire (branche 21) servant \u00e0 garantir ou non le remboursement d\u2019un cr\u00e9dit hypoth\u00e9caire.\" \/>\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\/elantis-immo-cover-de-belins-sa\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ELANTIS IMMO COVER+ de Belins SA - 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