As part of budget reforms, the Belgian federal government has decided to increase the tax on insurance transactions from 9.25% to 9.60%. According to the draft texts submitted to Parliament, this measure will apply to all premiums falling due as from 1 April 2026.
IMPORTANT
The measure applies to the entire market and has a direct, though limited, impact on the overall cost of your insurance policies with AG Employee Benefits.
Which insurance products are affected?
The measure applies only to insurance products subject to the 9.25% premium tax.
For the insurance policies you have taken out as an employer with AG Employee Benefits for the benefit of your employees, this means:
✔ Affected by the measure:
• Occupational healthcare insurance
(hospitalisation and outpatient care)
✘ Not affected by the measure:
The current rate of 4.40% remains unchanged for:
• Group insurance
• Occupational disability insurance[1]
This legislative change has no impact on the insured benefits or the contractual conditions.
[1] With the exception of certain disability insurance policies taken out by the company for the benefit of the company director.
What does this mean for you in practice?
As the tax is calculated on the net premium, the increase automatically results in a higher total amount payable, even when the technical premium itself remains unchanged.
Example:
| Net annual premium | €100.000 |
| Tax at 9.25% | €9.250 |
| Tax at 9.60% | €9.600 |
| ➡️ Annual difference: +€350 | |
Questions? We're here to help.
Our teams closely monitor regulatory and tax developments that may affect your AG insurance policies.
We’re here to help you anticipate changes, understand their practical impact and keep your coverage aligned with your needs, handled clearly and transparently.
👉 If you have any questions or would like a personalised analysis, your regular AG contact will be happy to assist you.