NN Omni Care - Family

NN Omni Care - Family

In addition to the deep sorrow and grief it creates, a death can also often bring financial worries with it, too. Your family has to cope with a smaller income, while the fixed day-to-day living costs for the surviving partner remain just as high as before. NN’s Omni Care death insurance protects your surviving dependants against the financial impact of your death.

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Protect your family’s income


Select the insured capital amount yourself and the way it evolves: fixed, decreasing or varying, based on an open plan


Pay your premiums monthly, annually or in one go


Simplified medical acceptance up to age 51 and up to € 300,000


How does it work?

  • You specify the capital that you want to insure, the duration of your cover and the beneficiaries.
  • You choose the capital according to your specific situation: your income, your current and future needs of your partner and family, the age of your children, etc. Discuss with your broker what best suits your situation.
  • Your beneficiaries receive the insured capital if you die as a result of illness or accident before the end date of the contract.


Immediate cover for accidental death

If your application is delayed, you will be covered for accidental death.  You are covered for the initially insured capital (with a maximum of EUR 500,000).
This agreement ends after 1 month, or upon acceptance or refusal by the company. (For further information, refer to the general conditions "provisional coverage")


Omni care is a Branch 21 term life insurance, under Belgian law.
The insured capital is constant or falling. At the start, the minimum amount is EUR 25,000 and the maximum is EUR 2,499,999. The minimum duration is for a period of 5 years.

Omni Care aims to offer protection to natural persons according to their specific situation: the income, current and future needs of their partner and family, the age of the children, etc.  The beneficiaries receive the insured capital if the natural person dies as a result of illness or accident before the end date of the contract.

For more details, see the Financial Information Sheet


Who is it for?

Hypo Care is targeted at natural and legal persons, whereby the insured person is aged between 18 and 67 years when the contract is taken out, to cover the financial consequences of the death of the insured or of a third party, as a supplement to the social security and financial protection of the next of kin.

If it concerns a natural person, the minimum age on taking out the insurance is 18 years.

Read more about the Segmentation Policy of NN Insurance Belgium for individual life insurances here.

Who is it not for?

This product is not suitable for natural and legal persons who wish to insure themselves against the financial consequences of a death, when there is a link with a mortgage loan. Or if someone wants to insure him- or herself against the financial consequences - whether or not via unregistered gifts, specifically with regard to inheritance tax - for their next of kin as a result of their death.

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Want more information about a death insurance policy?
Any other questions? Find an independent broker in your neighbourhood here.

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You are covered worldwide for all causes of death as the result of illness, accident or sudden death.

Is your insured capital higher? Contact your broker.


Risks excluded

Excluded risks
Certain risks are not covered. For the main insurance, these include suicide during the first year after the conclusion of the contract, intentional act and act of war.
This list is not exhaustive. Refer to the General terms and conditionss for an overview of all excluded risks. A large number of exclusions also apply to the supplementary Accidents cover (AVRO). A detailed list can be found in the General terms and conditions supplementary guarantees.
You are not covered for loss of income due to work incapacity as a result of illness or accident.

Your broker will be happy to help you with all your questions about this product. He or she can also provide you with a quotation and a premium calculation.

Find a broker near you.

Tax matters

You could benefit from taks deductibility of the premiums via:

The premiums are tax deductible via:

  • Pension savings
  • Long-term savings
  • IPC (Individual Pension Commitment)
  • Manager insurance

Subject to changes in the current tax legislation in the future.

Or you can take out insurance without the possibility of tax deductibility.

Charges and premiums

Option of extra capital in case of accidental death
Provide an extra financial safety net in the event of unexpected death due to an accident. Do you choose this option? If you die because of an accident, the next of kin will receive an extra sum in addition to the Omni care capital. Thus, you give them more certainty.
There are several possible formulas for premium payment

  • Optimal (standard): we optimise the duration of the premium payment.
  • Relax: with this unique formula, you spread the premium over the entire duration, with a minimum insured capital
  • Budget: the premium payment is adjusted to the annual premium that you want to pay.
  • Classic: you pay the premium for 2/3rds of the duration of the insurance.

Possible payment types for the premium:

  • Single premium (you pay the full premium in 1 payment)
  • Fixed premium (you spread the payment over time; the premium is constant)
  • Risk premiums (the premium evolves with your age)

For the frequency, you can opt for monthly payments by direct debit, or annually by direct debit or bank transfer.

Have you registered as an organ donor before concluding the agreement? Then you get a 5% discount on the Omni care premiums.
You can register easily and free of charge via www.beldonor.be.

Important documents

It is necessary to read the Information Financial Fact Sheet & the General Terms and Conditions before purchasing, registering, entering into, accepting, signing or opening a NN Omni care.


Financiële informatiefiche Omni Care


Algemene voorwaarden Omni Care


Aanvullende algemene voorwaarden waarborg overlijden door ongeval


Algemene Brochure Overlijdensverzekering


Algemene voorwaarden - voorlopige dekking overlijden door ongeval

Legal information

  • Omni care is a Branch 21 term life insurance, under Belgian law. It is a product of NN Insurance Belgium, a company incorporated under Belgian law.
  • The insured capital is constant or falling (cannot be increased). At the start, the minimum amount is EUR 25,000 and the maximum is EUR 2,499,999. 
  • Is your insured capital higher? Then contact your broker.
  • Duration: minimum of 5 years
  • Applicable law: Belgian law


If you have a complaint about your NN policy, please contact NN, Quality Care Center, 38 Fonsnylaan, 1060 Brussels. Send an e-mail in the first instance to klachten@nn.be. Or contact the Consumer Ombudsman Service at the Insurance Ombudsman, 35 de Meeûssquare, 1000 Brussels. Tel: +32(0)2 547 58 71, fax: +32(0)2 547 59 75, info@ombudsman.be, www.ombudsman.be. It is also possible at all times to take legal action.

Your unique life deserves a personal approach. That is why we are happy to help you find an independent broker in your area