The Insurance Proposal is a crucial preliminary document in the Belgian insurance contracting process, used when an individual or organization seeks to obtain insurance coverage. It serves as the foundation for the insurance contract and must comply with the Belgian Insurance Act of 2014 and related regulations. The proposal typically includes detailed information about the prospective policyholder, the risk to be insured, proposed coverage terms, premium calculations, and mandatory disclosures. This document is essential for ensuring transparency and proper risk assessment, allowing the insurer to evaluate the risk and propose appropriate coverage terms. The Insurance Proposal must contain all material information that could influence the insurer's decision to provide coverage and under what terms, as required by Belgian law.
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1. Identification of Parties: Details of the insurance company and the prospective policyholder, including full legal names, addresses, and registration numbers
2. Risk Profile Information: Detailed information about the prospective policyholder and the risk to be insured, including all relevant circumstances known to the proposer
3. Coverage Details: Specific description of the proposed insurance coverage, including limits, deductibles, and main conditions
4. Premium Information: Details of the proposed premium, payment terms, and any applicable taxes or charges
5. Main Exclusions: Clear statement of the main exclusions and limitations of the proposed coverage
6. Declarations: Mandatory declarations by the proposer regarding the accuracy of information provided
7. Data Protection Notice: Information about how personal data will be processed, in compliance with GDPR requirements
8. Complaint Handling: Information about the complaint handling process and relevant supervisory authorities
1. Medical Questionnaire: Required for life and health insurance proposals, including detailed health-related questions
2. Property Details: Detailed description of property to be insured, required for property insurance proposals
3. Business Activity Description: Required for commercial insurance proposals, detailing business operations and risk factors
4. Vehicle Information: Required for motor insurance proposals, including vehicle details and usage
5. Claims History: Optional section for detailed claims history, typically required for commercial risks
6. Risk Management Measures: Description of existing risk management measures, particularly relevant for commercial risks
7. Special Conditions: Any special conditions or warranties that may apply to the specific risk
1. Schedule of Benefits: Detailed breakdown of coverage limits and sub-limits for different types of coverage
2. Premium Calculation Schedule: Detailed breakdown of premium calculation including all factors and loadings
3. List of Covered Properties: Detailed list of properties to be covered, with values and specific conditions
4. Risk Survey Report: Technical survey report of the risk, if applicable
5. Insurance Company Information Sheet: Standardized information sheet about the insurance company as required by Belgian law
6. Terms and Conditions: Full general terms and conditions applicable to the proposed insurance
7. Information Document: Standardized Insurance Product Information Document (IPID) as required by EU regulations
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