{"id":2251,"date":"2020-02-25T16:18:20","date_gmt":"2020-02-25T16:18:20","guid":{"rendered":"https:\/\/april-belgium.be\/fr\/?page_id=2251"},"modified":"2026-01-29T08:01:52","modified_gmt":"2026-01-29T08:01:52","slug":"elitis-life-protect-de-vitis-life-2","status":"publish","type":"page","link":"https:\/\/april-belgium.be\/fr\/elitis-life-protect-de-vitis-life-2\/","title":{"rendered":"ELITIS LIFE PROTECT+ de Vitis Life"},"content":{"rendered":"<h3>TYPE D\u2019ASSURANCE-VIE<\/h3>\n<p>Elitis Life Protect+ est une <strong>assurance d\u00e9c\u00e8s temporaire \u00e0 capital constant<\/strong> (branche 21). Le produit consiste en un package comprenant la garantie principale d\u00e9c\u00e8s \u00e0 capital constant agr\u00e9ment\u00e9e d\u2019une\u00a0<strong>garantie du risque cancer.<\/strong><\/p>\n<h3>POUR QUI ?<\/h3>\n<p>Le produit Elitis Life Protect+ s\u2019adresse <strong>aux personnes physiques<\/strong> souhaitant mettre \u00e0 l\u2019abri leurs proches contre les cons\u00e9quences financi\u00e8res li\u00e9es \u00e0 leur d\u00e9c\u00e8s.<\/p>\n<p>Concernant l\u2019assurance du risque cancer, le but est de garantir, en cas de diagnostique d\u2019un cancer de l\u2019assur\u00e9, le paiement d\u2019un capital unique et forfaitaire dont le montant est d\u00e9termin\u00e9 aux conditions particuli\u00e8res.<\/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-3360\" src=\"https:\/\/aprildev.cmsdev.be\/wp-content\/uploads\/2021\/produit-assurance-2021.png\" alt=\"\" width=\"686\" height=\"778\" srcset=\"https:\/\/april-belgium.be\/wp-content\/uploads\/2021\/produit-assurance-2021.png 686w, https:\/\/april-belgium.be\/wp-content\/uploads\/2021\/produit-assurance-2021-353x400.png 353w\" sizes=\"(max-width: 686px) 100vw, 686px\" \/><\/p>\n<p><strong>Garantie principale d\u00e9c\u00e8s toute cause<\/strong><\/p>\n<p>En cas de d\u00e9c\u00e8s \u00e0 la suite d\u2019une maladie ou un accident durant la vie du contrat, Vitis Life SA \u2013 Belgian Branch intervient pour le capital constant fix\u00e9 \u00e0 la souscription du contrat. Ce capital est vers\u00e9 aux b\u00e9n\u00e9ficiaires d\u00e9sign\u00e9s \u00e0 la souscription du contrat.<\/p>\n<p>Le capital assur\u00e9 est \u00e0 d\u00e9termin\u00e9 librement mais s\u2019\u00e9l\u00e8ve \u00e0 <strong>un minimum de 25.000\u20ac et \u00e0 un maximum de 250.000\u20ac.<\/strong><\/p>\n<p><strong>Garantie du risque cancer<\/strong><\/p>\n<p>En cas de diagnostique d\u2019un cancer, <strong>une avance de 30% du capital d\u00e9c\u00e8s de la principale sera pay\u00e9<\/strong> \u00e0 l\u2019assur\u00e9 afin de faire face au coup dur que repr\u00e9sente le cancer.<\/p>\n<h3>DUR\u00c9E DU CONTRAT<\/h3>\n<ul>\n<li>La dur\u00e9e est de <strong>10 ans<\/strong> avec possibilit\u00e9 de renouvellement par p\u00e9riode de 10 ans mais ne pouvant d\u00e9passer l\u2019\u00e2ge terme<\/li>\n<li>Le renouvellement est effectu\u00e9 sur base du nouvel \u00e2ge tarifaire mais sans formalit\u00e9 m\u00e9dicale<\/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 65 ans<\/li>\n<li>L\u2019\u00e2ge au terme est \u00e0 choisir \u00e0 la souscription : entre 65, 70 et 75 ans.<\/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&rsquo;acceptation m\u00e9dicale.<\/p>\n<p>Les tables de mortalit\u00e9 qui forment la base du tarif (\u00e9l\u00e9ment constitutif de la prime) de la garantie d\u00e9c\u00e8s sont garanties pour une p\u00e9riode de 1 an \u00e0 compter de la date de prise d\u2019effet du contrat.<\/p>\n<p>Le mode de paiement des primes constantes\u00a0: payables pendant toute la dur\u00e9e, annuelles ou mensuelles. En cas de paiement 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>Dans le cadre de ce produit, les contrats seront uniquement des contrats non-fiscaux.<\/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 principales exclusions de la garantie cancer sont: les cancers class\u00e9s histologiquement comme non-invasifs, cancers in situ et tumeurs pr\u00e9-malignes (telles que thrombocyt\u00e9mie et polycyth\u00e9mie rubra vera), le cancer de la prostate (sauf si celui-ci a au moins progress\u00e9 \u00e0 la cat\u00e9gorie T2N0M0 de la classification TNM ou \u00e0 un score Gleason sup\u00e9rieur \u00e0 6), les tumeurs b\u00e9nignes, les syndromes my\u00e9lodysplasiques, les maladies my\u00e9loprolif\u00e9ratives (\u00e0 l\u2019exclusion de la leuc\u00e9mie), tout cancer de la peau, autre qu\u2019un m\u00e9lanome, en l\u2019absence de m\u00e9tastase.<\/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-ELITISLIFEPROTECT-20241200_Conditions-Generales-1.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 &#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 Life Protect+ est une assurance d\u00e9c\u00e8s temporaire \u00e0 capital constant (branche 21). Le produit consiste en un package comprenant la garantie principale d\u00e9c\u00e8s \u00e0 capital constant agr\u00e9ment\u00e9e d\u2019une\u00a0garantie du risque cancer. POUR QUI ? Le produit Elitis Life Protect+ s\u2019adresse aux personnes physiques souhaitant mettre \u00e0 l\u2019abri leurs proches contre les cons\u00e9quences &hellip;<\/p>\n","protected":false},"author":22,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-elitis-produits.php","meta":{"footnotes":""},"class_list":["post-2251","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ELITIS LIFE PROTECT+ de Vitis Life - APRIL Belgium<\/title>\n<meta name=\"description\" content=\"En cas de cancer: recevez une avance sur votre capital d\u00e9c\u00e8s et faites-en ce que vous voulez. 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