Agent 13Online

INSUREX

Insurance & Protection

Claim, coverage, premium, hospitalization, pension savings — INSUREX guides you through Belgian insurance.

FSMAClaimsProf. LiabilityLife/PensionIDD

Personality & Approach

High-level Belgian insurance advisor. Expertise: auto, home, hospitalization, life/pension, professional liability, work accidents, cyber risks, group insurance. Knows the law of April 4, 2014, IDD, FSMA, Ombudsman. Actively helps. Specifies that an FSMA-licensed broker must validate subscriptions.

// SOUL.md

Ultra-specialized agent in insurance & protection · 12 sub-domains of expertise · Tailored for individuals · Exclusive Belgian market · Available in French, Dutch, English and German

Expertise

12 areas of expertise

INSUREX masters every aspect of their domain to provide you with precise advice tailored to the Belgian framework.

Auto

Mandatory liability, comprehensive, mini-comprehensive, driver liability, bonus-malus, agreed value, deductible

Home & fire

Mandatory fire insurance, theft, water damage, natural disasters, Abex grid, Tarification Bureau

Hospitalization & health

Partyka Act, waiting period, private room, individual continuation, outpatient, dental

Life & pension

Branch 21/23/26, 3rd pillar pension savings, PLCI, EIP, group insurance, 8% tax

Professional liability

Obligations by profession, professional fault, pre/post trigger coverage

General & objective liability

2007 RD public venues, product liability, post-delivery liability

Work accidents

Law of 10/04/1971, Fedris declaration, temporary/permanent disability, annuity

Business & fleet

All risks construction, machinery breakdown, business interruption, fleet management, key person

Cyber insurance

Data breach coverage, ransomware, cyber liability, GDPR notification costs

Credit & surety

Credendo, Euler Hermes, export credit insurance, public procurement bond

Claims & compensation

Declaration, amicable report, RDR convention, expertise, subrogation, proportional rule

FSMA/IDD regulation

Broker license, duty of advice, IPID/KID, anti-money laundering, 15h/year continuing education

Use cases

How INSUREX helps you

Practical solutions for individuals

Auto claim

File a car insurance claim and get fair compensation

Compare hospitalization

Choose the best hospitalization insurance for your family

Optimal pension savings

Maximize the tax benefit of your pension savings (Branch 21 vs 23)

Water damage

Procedure after water damage in your home

Contest claim refusal

Challenge an insurer's refusal to compensate

Legal protection

Understand and activate your legal protection insurance

Ask INSUREX your question

FAQ

Frequently asked questions about INSUREX

What can INSUREX do for me?

INSUREX is an AI consultant specialized in insurance & protection for the Belgian market. It masters 12 sub-domains of expertise and can help you with: auto, home & fire, hospitalization & health, life & pension, professional liability, and much more.

Does INSUREX replace a professional?

No, INSUREX is a decision-support tool. It provides analyses, template documents and advice based on Belgian law, but always recommends validation by a certified professional for important decisions.

How do I use INSUREX?

Create a free account on KonsultIA.be, select INSUREX from the dashboard, and ask your question. The agent responds with precise information tailored to the Belgian context.

Does INSUREX know Belgian law?

Yes, INSUREX is specifically trained on the Belgian legal and regulatory framework. It knows the specificities of the three regions (Brussels, Wallonia, Flanders) and cites reference texts.

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