Bâloise Assurances Luxembourg S.A. Insurance Plans

Insurance Plans Available from Bâloise Assurances Luxembourg

Bâloise, a longstanding player in Luxembourg (since 1890), stands out for its modular, clear and high-quality insurance offerings. Their product range spans life, non-life, mobility, wealth protection, and commercial solutions. Here's the breakdown:

🛡️ 1. Bâloise Life Plan – Savings, Pension & Protection

This is Bâloise’s core life insurance solution designed for both savings and providing financial security:

• Key benefits:

  • Build up capital for retirement or future goals

  • Added death cover, accident/invalidity protection, optional hospital or critical illness cover (baloise.lu)

• Investment options:

  • Guaranteed-rate funds

  • Diversified or sustainable funds, tailored to your risk profile

• Flexibility:

  • Single lump sum or periodic premiums

  • Minimum 10-year term; withdrawals restricted in first 10 years (min. €750, €2.5k remaining)

• Tax perks:

  • Premiums deductible from €672/year under Article 111bis

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📈 2. ProFolio – Unit-Linked Investment Life Policy

A premium investment-focused life insurance plan, ideal for active investors:

• Accessible: Starts at €25k for external funds, or €250k for dedicated internal funds

• Huge choice: Over 6,000 investment funds (external, internal, dedicated FAS)

• Investor benefits:

  • Swiss-backed, secure policy holder “triangle of security”

  • Tax-neutral Luxembourg jurisdiction, even for non-residents

• Cost structure:

  • Entry fees up to 5% (negotiable)

  • Ongoing fees up to 1.2% per year

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🏠 3. Home Insurance (“Home”)

Coverage for homeowners, co-owners, and tenants:

• Classic Home package includes:

  • Fire, water, storms, theft, vandalism

• Add-ons available:

  • Personal civil liability

  • Mobile device & travel coverage

  • Solar panels, leisure equipment, high-value items

• Custom packs for second homes or short-term rentals

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🔐 4. Civil Liability – Private (RC Vie Privée)

Essential cover for everyday liability:

• Covers bodily, material, and immaterial damage caused accidentally—kids’ mischief, dog bites, DIY mishaps

• Includes all household members

• Extendable to travel, pets, childcare, equestrian activities, watercraft

🚗 5. Vehicle & Mobility Insurance

Bâloise provides tailored car, motorbike, and bike insurance:

• Car insurance: from third-party cover to comprehensive (“all-risk”), includes theft, fire, breakdown assistance

• Bike insurance (e-bikes):

  • Covers theft (secured lock required), damages; full refund first year, diminishing value later

  • Costs around €80–160/year depending on bike and dealer partnership

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🩺 6. Health & Hospitalisation Insurance

Available to newcomers and residents—focuses on:

• Supplementary health/hospital cover

• Dependency insurance deducted via salary

• Ideal complement to Luxembourg’s statutory health scheme

🏢 7. Business & Property Insurance

For businesses, landlords, and professionals:

• Commercial property, liability, and employee protection plans

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🔧 8. Digital Tools & Support

Bâloise supports clients with:

• Online simulation tools (car, home)

• 24/7 customer support, mobile apps for claims & admin

• Local agent network and ease of contract adjustments

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📝 Real-Life Voices on Bâloise

Many users seem pleased, especially with customer service and bike/cash claims:

“I am insured with Bâloise. It covers thefts even if outside… reimburse the full price you paid during the first year”
“I got my e bike insured… 80 € a year”

Still, some prefer other insurers or suggest comparing services:

“Not AXA… claims are a nightmare… I am ok with Baloise”

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✅ In Summary

Bâloise Assurances Luxembourg offers a full suite of insurance solutions:

• Life: Bâloise Life Plan, ProFolio (unit-linked)

• Non-Life: Home, civil liability, vehicle, bike

• Health and business coverage

• Digital ease and strong local support

They score well on modularity and client-focused service—ideal for families, expats, and investors.