Welcome guide for incoming ULg staff and visiting researchers

22 4.7. BANK ACCOUNT If you do not have a bank account in the SEPA zone, you can only open an account after you have arrived in Belgium and have registered with the local authority. You can select a banking institution that meets your needs, considering its proximity to your home and workplace. Rates and services will vary depending on the bank. Comparative tools are available on the web. When opening an account, you will need to provide identification, an official address (a foreign address mentioned on an official document) if you do not yet have an address in Belgium) as well as a copy of your scholarship letter or ULiège contract. 4.8. EMBASSIES & CONSULATES Upon arrival, it is in your best interest that you register with your Consultate in the Province of Liège and/or your Embassy in Belgium. This will simplify future procedures in the event of a problem during your stay. You will also be informed of cultural activities organized by these institutions. http://www.consuls-Liege.be/ diplomatie.belgium.be/en 4.9. INSURANCE An insurance contract is signed between a person and an insurance company which commits to providing compensatory coverage in the event that an unforeseen situation occurs. The insurance coverage (as long as the conditions are defined in advance within the contract and they have been respected) is in most cases financial compensation for the consequences caused by the event, but can also take other forms (i.e. a replacement vehicule in the case of a car accident). Insurance coverage is not free. The insured individual pays the insurance company a premium - an amount and payment conditions which are stipulated in the contract. The insurance policy is the contract between the policyholder and the insurance company. It outlines a list of eventualities for which insurance coverage is provided, the assistance provided in the event of a claim (called insurance coverage ), the obligations of the policyholder and the obligations of the insurance company. Insurance policies very often stipulate a set amount that is incurred by the policyholder: this is called the deductible or the excess. The policyholder is not reimbursed for the sum of the deductible in the event of a claim. C OMPULSORY I NSURANCE Certain types of insurance are mandated by the law as the risks associated are considered too great. I NSURANCE FOR ACCIDENTS AT WORK AND ON THE ROAD TO WORK This insurance is underwritten by every employer to cover all its workers. If you are a ULiège scholarship holder or ULiège employee, you automatically benefit from this insurance. If you are a visitor or guest researcher, you will have to register as a visiting researcher in order to benefit from the coverage (see with the Euraxess center) . If you are attached to an external funding organization in your home country, you may be convered by that organization’s occupational accident insurance. If not, you may be covered for personal injury. PLEASE NOTE : In Belgium, health insurance is compulsory. If you are no longer a studenta and you do not have an employer, you are required to apply for private health insurance. In addition, employees hired by the University of Liège and visiting researchers registered in this capacity are covered for civil liability. This policy covers d amages to third-parties and their property, as a result of error, negligence or carelessness in the workplace. If you are away on an assignment abroad, do not forget to register with MODUS to ensure continued converage. Link t o MODUS Link to th e MODUS user guide