{"id":571,"date":"2023-08-08T08:10:12","date_gmt":"2023-08-08T06:10:12","guid":{"rendered":"https:\/\/afer-europe.be\/de-tak-21-garantie\/"},"modified":"2024-03-23T11:13:00","modified_gmt":"2024-03-23T10:13:00","slug":"de-tak-21-garantie","status":"publish","type":"post","link":"https:\/\/afer-europe.be\/nl\/de-tak-21-garantie\/","title":{"rendered":"De staatswaarborg in tak 21"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;1\/6&#8243;][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/6&#8243;][\/vc_column][vc_column width=&#8221;2\/3&#8243;][vc_column_text]<\/p>\n<p lang=\"nl-NL\" align=\"justify\"><em>Gepubliceerd op 5 januari 2024<\/em> &#8211; Eerst en vooral zijn levensverzekeringsproducten in Frankrijk niet gewaarborgd a rato van 100.000 \u20ac per persoon, maar slechts tot 70.000 \u20ac. Mocht de verzekeraar in gebreke blijven, dan komt het Franse depositogarantiestelsel tussenbeide, zelfs al u een Belgisch contract hebt. Het contract wordt immers beheerd van uit Frankrijk.<\/p>\n<p lang=\"nl-NL\" align=\"justify\"><!--more--><\/p>\n<p lang=\"nl-NL\" align=\"justify\">Sinds kort wordt het Waarborgfonds co-verzekerd door Abeille Vie en Abeille Epargne Retraite. Ook al zijn de namen gelijkend, gaat het wel om twee aparte verzekeraars. Resultaat : stortingen in het Waarborgfonds worden verdeeld over de twee maatschappijen (elk de helft). Blijft een van beide in gebreke, dan is de helft van uw kapitaal geschermd a rato van 70.000 \u20ac en is de andere helft nog altijd in handen van de gezonde verzekeraar.<\/p>\n<p lang=\"nl-NL\" align=\"justify\">In het extreme scenario waarin beide verzekeraars failliet zouden gaan, kunt u aanspraak maken op een terugbetaling van 140.000 \u20ac<\/p>\n<p lang=\"nl-NL\" align=\"justify\">Enkele voorbeelden :<\/p>\n<p lang=\"nl-NL\" align=\"justify\">Stel dat u 100.000 \u20ac in het waarborgfonds hebt gestopt. Bij een faillissement van \u00e9\u00e9n van beide verzekeraars krijgt u van de 50.000 \u20ac die bij die verzekeraar zijn ondergebracht alles terug via het Franse depositogarantiefonds. Met de 50.000 \u20ac die bij de andere verzekeraar staan, is er geen probleem. Mochten beide verzekeraars in faling gaan, dan zal het garantiefonds twee keer 50.000 \u20ac uitkeren.<\/p>\n<p lang=\"nl-NL\" align=\"justify\">En wat als u 200.000 \u20ac hebt belegd ? Gaat een van de twee verzekeraars failliet, dan krijgt u van de 100.000 \u20ac die daar zijn ondergebracht 70.000 \u20ac terug via het depositogarantiestelsel. Uw verlies blijft dus beperkt tot 30.000 \u20ac.<\/p>\n<p align=\"justify\"><span lang=\"nl-NL\">Gaan beide verzekeraars failliet , dan ontvangt u twee keer 70.000 \u20ac van het garantiefonds en loopt uw verlies op tot 60.000 \u20ac<\/span><\/p>\n<p>&nbsp;<\/p>\n<pre>(Auteur : DL)<\/pre>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row][vc_column]<div id=\"dfd-button-69deb7fc7a98e\" class=\"dfd-button-module-wrap dfd-button-69deb7fc7a98e\"><div class=\"dfd-button-module  style_1 text-center dfd-horizontal dfd-top-to-bottom dfd-button-icon-left dfd-button-icon-hover-simple\" ><a href=\"https:\/\/www.afer-europe.com\/cal\/nl\/bibliotheek\/bruikbare-informatie\/\" class=\"dfd-button-link\"><span class=\"dfd-button-inner-cover\"><span class=\"dfd-button-text-main\">Terug naar infopagina<\/span><\/span><\/a><\/div><script type=\"text\/javascript\">\r\n\t\t\t\t\t\t\t\t\t(function($) {$(\"head\").append(\"<style>#dfd-button-69deb7fc7a98e.dfd-button-module-wrap .dfd-button-module .dfd-button-link .dfd-button-inner-cover .dfd-button-text-main, .dfd-button-69deb7fc7a98e.dfd-button-module-wrap .dfd-button-module .dfd-button-link .dfd-button-inner-cover .dfd-button-text-main, .dfd-button-69deb7fc7a98e.dfd-button-module-wrap .dfd-button-module .dfd-button-link .dfd-button-inner-cover .dfd-button-text-hover, #dfd-button-69deb7fc7a98e.dfd-button-module-wrap .dfd-button-module .dfd-button-link .dfd-button-inner-cover .dfd-button-text-hover {padding-right: 50px;}#dfd-button-69deb7fc7a98e.dfd-button-module-wrap .dfd-button-module .dfd-button-link .dfd-button-inner-cover .dfd-button-text-main, .dfd-button-69deb7fc7a98e.dfd-button-module-wrap .dfd-button-module .dfd-button-link .dfd-button-inner-cover .dfd-button-text-main, .dfd-button-69deb7fc7a98e.dfd-button-module-wrap .dfd-button-module .dfd-button-link .dfd-button-inner-cover .dfd-button-text-hover, #dfd-button-69deb7fc7a98e.dfd-button-module-wrap .dfd-button-module .dfd-button-link .dfd-button-inner-cover .dfd-button-text-hover {font-family: BarlowBold; 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Eerst en vooral zijn levensverzekeringsproducten in Frankrijk niet gewaarborgd a rato van 100.000 \u20ac per persoon, maar slechts tot<\/p>\n","protected":false},"author":1,"featured_media":268,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","mc4wp_mailchimp_campaign":[],"footnotes":""},"categories":[19],"tags":[],"class_list":["post-571","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bruikbare-informatie"],"_links":{"self":[{"href":"https:\/\/afer-europe.be\/nl\/wp-json\/wp\/v2\/posts\/571","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/afer-europe.be\/nl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/afer-europe.be\/nl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/afer-europe.be\/nl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/afer-europe.be\/nl\/wp-json\/wp\/v2\/comments?post=571"}],"version-history":[{"count":9,"href":"https:\/\/afer-europe.be\/nl\/wp-json\/wp\/v2\/posts\/571\/revisions"}],"predecessor-version":[{"id":930,"href":"https:\/\/afer-europe.be\/nl\/wp-json\/wp\/v2\/posts\/571\/revisions\/930"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/afer-europe.be\/nl\/wp-json\/wp\/v2\/media\/268"}],"wp:attachment":[{"href":"https:\/\/afer-europe.be\/nl\/wp-json\/wp\/v2\/media?parent=571"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/afer-europe.be\/nl\/wp-json\/wp\/v2\/categories?post=571"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/afer-europe.be\/nl\/wp-json\/wp\/v2\/tags?post=571"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}