Secure your future and that of your loved ones
For free thanks to the Smile Account
Live peacefully abroad with a life insurance policy that protects what really matters. Thanks to the alliance between Moneytrans & AXA, when you open your Smile Account, we provide you with free life and disability policy to cover any unexpected events, because your peace of mind is priceless!
*Valid for accounts opened after 17th November 2021.
Why should I have insurance?
The Smile Account offers free life and disability insurance to our customers because, when the unexpected happens, we want to be there for you. You’ve found a new life abroad, and yet you’re caring for so many people back home. So, if something happens to you, the Smile Account wants to make sure you and yours are taken care of. In case of a disabling accident or death, we’ll be there to help – you can choose how much help you think you’ll need in one of the offers below.
The Smile Account is about taking YOUR interest into account.
AXA & Moneytrans: the only FREE insurance for global citizens
At Moneytrans, we have been helping you take care of your loved ones for over 20 years and have now joined forces with AXA, one of the leading international insurance companies. Through this union, we guarantee free life and disability policy to foreign residents who open a Smile Account, to protect you against the unexpected. In addition, you will have access to other premium insurance plans at an affordable and fair price.
Free insurance
Get it free with your Smile Account
Full coverage
You choose the plan that best suits your needs
Simple registration
In your nearest branch
Peace of mind guaranteed
You’ll protect what really matters
Free insurance
Get it free with your Smile Account
Full coverage
You choose the plan that best suits your needs
Simple registration
In your nearest branch
Peace of mind guaranteed
You’ll protect what really matters
Meet our customers!
“Finding an account that really cares about the foreign community and offers me free insurance is a stroke of luck.”
– Betty, Smile Account customer
Our insurances
Free
When you open your Smile Account, you get basic life and disability insurance for a month with your first transfer. You can renew it 2 more times with future transfers.
Individual
*Coming soon
Would you like to know more about our insurance?
Free
When you open a Smile Account, you get basic life insurance for 30 days. You will only have to make one money transfer to activate or renew your insurance up to 3 times during 6 months.
Individual
*Coming soon
Would you like to know more about our insurance?
Choose the one that best suits you and your loved ones
Life all causes
Accidental total disability
Body repatriation
Monthly price
Free with the Smile Account
Basic
No cost*
Individual
Full
Conditions
Be between 18 and 64 years old inclusive.
Open a Smile Account and make a money transfer from Belgium.
Accept the activation of the insurance policy when making your money transfer.
Be a tax resident in Belgium.
30 days duration with option to renew.
Be between 18 and 64 years old inclusive.
Open a Smile Account and make a money transfer from Belgium.
Accept the activation of the insurance policy when making your money transfer.
Be a tax resident in Belgium.
30 days duration with option to renew.
What our insurance covers
Insurance
Protection against everyday risks
Death or total permanent disability from an accident at work:
AXA will pay a lump sum of €1,000. This generally corresponds to a transfer of money to the beneficiary over a year.
Assistance
Complementary service to insurance
Assistance with death formalities:
- Contacting funeral services.
- Helping draw up the death announcement.
- Indicating the procedures to be carried out (regarding local authorities).
Repatriation of the body:
- Up to €1,000 in repatriating the body to the designated country.
- The funerary material (coffin, tent, etc.), up to €800.
- The funeral services (the costs of placing the body in the coffin on location), up to €1,250.
- Up to €400 reimbursed in travel costs for a person to accompany the deceased from Belgium to the place of burial.
How to get my life and disability insurance in branch
If you want to renew it, 10 days before it expires, we will send you another SMS informing you so that you can go to the branch to make a money transfer and renew your insurance.
How do I activate it if I get a new Smile Account?
Simply log into the website or app and access the Smile Account area on the dashboard. Once inside, click on “Activate Insurance” and fill out the form to give your consent. We’ll send you a confirmation text message and email!
Frequently asked questions
What is life and disability policy for?
A life insurance policy is used to protect your family in the event that you are no longer able to earn an income due to disability or death. By paying a monthly premium, you are insuring a certain amount of money so that, if such an event occurs, your family members will receive that amount and be able to cope with the situation.
Is it worth it to have insurance?
Protecting your family, your home and everything you've built is worth it! Knowing that if the unexpected happens, you've already thought of everything and can be confident that everything will be okay is priceless. And if you can get it for free by opening a Smile Account, the benefits are even greater!
Who usually has life and disability insurance?
Anyone! This type of insurance is particularly useful for people whose family members depend on their income and who would not have sufficient savings to ensure that in the event of disability or death, their loved ones can continue to maintain their standard of living. It is therefore particularly useful for residents of foreign origin who send money to their relatives abroad. In addition, in the event of death, the repatriation of the body will not be a financial burden for your relatives in the country of origin.
What is a policy ?
The insurance policy is a contract between the insured and the insurance company. It defines the rights and obligations of both parties. This term is frequently used in the field of insurance.
When can I claim after activating my insurance?
- Disability Insurance: immediately covered once the insurance is activated
- Body repatriation: immediately covered once the insurance is activated
- Death: 30 days after the insurance is activated
Remember that you can renew your one month insurance cover 2 more times for free by making a money transfer.
When does my insurance coverage start and end?
Coverage will start when you activate your insurance by making a money transfer. Your cover will end when one of these events takes place: - At the end of the one-month coverage period if you do not make a new money transfer; -After 3 consecutive monthly renewals maximum, - In the event of the occurrence of the loss that gave rise to the payment of the guaranteed capital; - In case of death of the insured person; - In case of a change of fiscal residence outside Belgium; - At the latest on the day of the insured's 70th birthday.
What is not covered by my insurance policy?
- Total and Irreversible Loss of Autonomy.
- Temporary Total Incapacity for Work.
- Partial Permanent Disability.
- Total Permanent Disability.
- Loss of Employment.
