Protection benefits are insurance features that are embedded within your ING banking package.
Good to know: Protection benefits are intended to supplement your current insurance policies. It does not automatically replace any existing coverage you may have. Since some benefits may overlap with those provided by other policies, it is advisable to carefully compare and evaluate the coverage that best suits your individual circumstances
Always check the IPID and Terms & Conditions to see what is and isn’t covered.
"}},{"componentType":"sectionTitle","title":"Protection benefits in your ING package or a separate insurance policy: what is the difference?"},{"componentType":"paragraph","richBody":{"value":"Protection benefits embedded in your banking package
A standalone policy from ING or another provider
ING offers both options. This way, you choose what suits you best.
The protection benefits apply to the package holder.
What's included depends on:
You can always find the precise information in the terms and conditions (all legal details).
"}},{"componentType":"sectionTitle","title":"What protection benefits are included in ING packages?"},{"componentType":"paragraph","richBody":{"value":"Each ING package includes protection benefits with different limits and features. There is always one package without protection benefits.
"}},{"comparisonCardList":[{"subtitle":"For everyday situations regarding payments and your digital life.","title":"ING More","usps":[{"body":"Purchase protection","iconType":"check-mark"},{"body":"Cyber protection","iconType":"check-mark"}]},{"subtitle":"This package includes the protection benefits of More package, with additional protection benefits for specific situations.","title":"ING Extra","usps":[{"body":"Purchase protection","iconType":"check-mark"},{"body":"Cyber protection","iconType":"check-mark"},{"body":"Emergency home assistance","iconType":"check-mark"},{"body":"ATM theft","iconType":"check-mark"},{"body":"Travel protection Extra","iconType":"check-mark"}]},{"subtitle":"This package includes the protection benefits of Extra package, with additional protection benefits for specific situations.","title":"ING Max","usps":[{"body":"Purchase protection","iconType":"check-mark"},{"body":"Cyber protection","iconType":"check-mark"},{"body":"Emergency home assistance","iconType":"check-mark"},{"body":"ATM theft","iconType":"check-mark"},{"body":"Travel protection Max","iconType":"check-mark"}]}],"componentType":"comparisonCards","title":"ING More,ING Extra,ING Max"},{"accordionList":[{"richBody":{"value":"You will find all legal details in the terms and conditions .
"},"textLinks":[{"text":"ING More terms and conditions","url":"https://assets.ing.com/asset/b94756b2-127f-4b57-8bd4-734c0e4d4758/ING-More-Protection-Terms-Conditions-ENG.pdf"},{"text":"ING Extra terms and conditions","url":"https://assets.ing.com/asset/3c793589-1da7-4cd4-8805-294325cfd0a9/ING-Extra-Protection-Terms-Conditions-ENG.pdf"},{"text":"ING Max terms and conditions","url":"https://assets.ing.com/asset/eba6ab8d-6b5d-4e97-9854-233fc355c235/ING-Max-Protection-Terms-Conditions-ENG.pdf"}],"title":"Terms and conditions"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"ING More"},{"alignedImage":{"position":"left","altTextDE":"Icon-More","altTextEN":"Icon-More","altTextFR":"Icon-More","altTextIT":"Icon-More","altTextNL":"Icon-More","extension":"png","original":"https://assets.ing.com/asset/eaa61762-e0d4-43c7-9771-0eea4368dfad/Icon-More.png","transformBaseUrl":"https://assets.ing.com/transform/eaa61762-e0d4-43c7-9771-0eea4368dfad/Icon-More"},"componentType":"paragraph","richBody":{"value":"This package contains everything from More, plus:
This package includes everything from Extra , plus:
Extra – the essentials for your trip
Handy if something goes wrong during your trip.
Max – enhanced travel protection
Maximum travel protection benefits.
Who is insured
The package holder.
Important conditions
Insured:
Not insured:
Purchase protection
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/55caca58-a948-4f2f-8ffd-316c61818231/Devices-Video_Chat_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/55caca58-a948-4f2f-8ffd-316c61818231/Devices-Video_Chat_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Who is insured
The package holder, the legally recognized partner, minor children, and other persons officially registered at the same address, provided that they use the same eligible digital equipment.
Insured:
Not insured:
Cyber protection
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Who is insured
The package holder for the address registered with ING.
Insured:
Not insured:
Emergency home assistance
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/651cc108-ac5b-4520-b191-419e081fac1f/Savings_goals-Beach_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/651cc108-ac5b-4520-b191-419e081fac1f/Savings_goals-Beach_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Who is insured
Package holder. Covered partner also lives at the same address; children travel together with the package holder.
Extra – Travel protection
Max – Travel protection
Insured:
Not insured:
Travel protection
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"accordionList":[{"richBody":{"value":"In the ING app :
We work with 3 reliable partners to make insurance as easy as possible. Allianz and Europ Assistance Group provide the coverage. Bolttech supports our Protection Hub, where you can view, manage, and claim your protection.
Do you need urgent help? Then call +31 85 888 10 14 and have your Protection ID ready. Emergency assistance is available 24/7. Other services are available Monday through Friday from 08:00 to 18:00, except on public holidays.
Important:
ING is not the insurer. You can always read who the insurer is and exactly what is insured in the IPID and the General Terms and Conditions.
ING is not the insurer. The protection in your package is provided through ING's insurance partners. The terms and conditions clearly state who the insurer is for each component.
The following applies to each type of protection:
The protection for your debit card/iDEAL-Wero and your credit card aligns, but does not work in exactly the same way.
One idea, but a different moment when the protection applies
The protection is based on the same principles. The difference lies primarily in when the protection takes effect and to which situation it applies.
Protection in your ING package | Protection via your credit card |
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Not all protection is linked to a payment
Some forms of protection, such as Cyber Protection and Emergency Home Assistance, are separate from a payment. You receive these only through your ING package and not through your ING Credit Card.
Good to know
The protection you have depends on how you pay and which ING products you use. Therefore, always check the terms and conditions for details of your coverage.
"},"textLinks":[{"text":"Log in and file a claim","url":"https://mijn.ing.nl/login"}],"title":"Why do you see similar protection on your credit card and your ING package?"},{"richBody":{"value":"How you submit a claim may differ between protection in your ING package and protection via your credit card. This does not change the protection itself.
Why is there that difference?
ING packages and the Max Credit Card are processed via Bolttech. Claims for the More Credit Card and Extra Credit Card are currently still handled directly by Allianz. Therefore, the process may look different. This is temporary .
Claims for protection in your ING package and Max Credit Card | Claims for protection via your More or Extra Credit Card |
You submit your claim via the ING Protection Hub in the app.
| These claims currently still follow the existing process for credit card insurance.
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The current situation
So you may see a different claims process, while the protection itself is based on the same principles.
"},"title":"Why does the claims process look different for package protection and credit card protection?"},{"richBody":{"value":"
No, you do not take out separate insurance. Your protection benefits are a standard part of your ING package. This means there is no separate contract, no extra paperwork, and no extra administration.
"},"title":"Do i have a seperate insurance?"},{"richBody":{"value":"The insurance is intended as a supplement to your existing insurance. Some coverage may overlap with the insurance you already have. We recommend comparing your current insurance with the IPID and conditions to determine what best suits your personal situation.
"},"title":"What if I already have similar insurance elsewhere?"},{"richBody":{"value":"Your protection benefits start on the day your ING package becomes active. They remain valid as long as your package is active. If you cancel or change your package, the protection benefits will be changed or terminated at the same time.
"},"title":"When do my protection benefits start and stop?"},{"richBody":{"value":"No, you do not need to activate this. If a protection benefit is included in your ING package, it applies automatically. Everything has already been arranged for you.
"},"title":"Do I need to activate my protection benefits?"},{"richBody":{"value":"Protection benefits are included as part of your ING package. You do not pay a separate insurance premium. Some benefits may have deductibles or limits. These are explained in the IPID and the terms and conditions.
"},"title":"Do I pay a separate premium for these benefits?"},{"richBody":{"value":"The protection included in your ING package is available to the account holder residing in the Netherlands. Do you reside in the Netherlands at the time you take out the package? Then you can make use of this protection, as described in the product terms and conditions. In some cases, such as with travel protection, additional persons may also be covered. Exactly who is covered varies per benefit and is described in the terms and conditions.
"},"title":"Who is covered by the protection benefits?"},{"richBody":{"value":"Changes to your package take effect immediately.
If an insured event occurred while your previous ING package was still active, you can still submit a claim through the insurer.
"},"title":"What happens if I cancel, upgrade, or downgrade my ING banking package?"},{"richBody":{"value":"Yes, in certain situations. If the insured event occurred while your ING package was active, you can still submit a claim or proceed by contacting the BoltTech contact number. To enable the insurer to identify you, you must write down your Protection ID in your ING app and provide it during your call with the insurer.
"},"title":"Can I still submit a claim after cancelling my ING package?"},{"richBody":{"value":"If your claim is rejected and you disagree with the outcome, you can submit a complaint for review.
This can be done via the complaint form in the ING Protection Hub or by contacting the insurer directly using the details in the terms and conditions.
Did you make your purchase before your package was converted to ING More? Then a different procedure applies:
Good to know:
Important: