Cares Assistance

What Cares Assistance does

Cares Assistance is a Belgian private limited company (BV, enterprise number BE 0883.745.125) headquartered in Lendelede, operating as an FSMA-authorized gevolmachtigde onderschrijver (authorized underwriter). Its mission is to market innovative, assistance-focused insurance solutions for Belgian households facing the financial and practical consequences of a serious illness or death.

The company offers three named products grouped under two solution lines. Funeral Care and Family Care are death-assistance (overlijdensbijstand) products marketed as the only offerings on the Belgian market that intervene before, during, and up to one year after death. Vital Care extends the model into serious-illness assistance (cancer, heart attack, stroke), bundling capital payout with a personal Care Manager service (a qualified social worker) that coordinates administrative, psychological, legal, palliative, practical, and Second Medical Opinion support, typically engaging the household within hours of diagnosis or death notification. Underwriting capacity and the underlying assistance infrastructure are supplied by named partners AXA Partners (also via IP-Assistance), DAS, Patronale Life, Prisma Life, and Pobos.

The revenue model is recurring insurance premiums from individual policyholders, priced per applicant through public online calculators and underwritten by Cares Assistance as an FSMA-recognized intermediary. Distribution is bilingual (NL/FR) and dual-channel: direct-to-consumer via the corporate website (with self-service premium calculators and a dedicated claims hotline +32 2 486 85 10), and indirect via licensed insurance brokers using a dedicated Makelaarsportaal (broker portal) and an FSMA examencentrum for broker certification. The company supports three charities (Kinderkankerfonds, CPZ, Télévie) and is a member of BAUA, the Belgian federation of authorized underwriters.

Name

Cares Assistance

Legal name

Cares Assistance BV

Website

https://cares-assistance.eu

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Cares Assistance is a Belgian FSMA-authorized insurance underwriter that markets Funeral Care, Family Care, and Vital Care products — bundling capital payout with hands-on assistance (Care Manager) for Belgian households facing serious illness or death, distributed directly and through licensed brokers.

Ownership category

akta.pro rank

Product category

Insurance Assistance Services

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Death Care Services (8122), Funeral Homes and Funeral Services (812210)

SIC

Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Final Expense / Burial Life Insurance (FSAIABAF)

akta.pro secondary industry

Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE)

Keywords

• Death assistance insurance
• Illness assistance insurance
• Funeral insurance coverage
• Broker insurance distribution
• Care manager services

Headquarters

HQ city

Lendelede

HQ country

Belgium

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance premium subscriptions: Recurring premiums paid by policyholders for Funeral Care, Family Care, and Vital Care assistance products. Premiums are quoted/calculated via online tools and offered both direct-to-consumer and via the broker channel. Cares Assistance is FSMA-authorized as a gevolmachtigde onderschrijver (authorized underwriter), underwriting on behalf of insurance partners such as AXA Partners, Patronale Life, and Prisma Life.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

Cares Assistance markets and underwrites three named assistance-focused insurance products in Belgium: Funeral Care and Family Care (death assistance, covering intervention before, during, and up to one year after death) and Vital Care (combined illness and death assistance). Policies bundle a financial capital payout with hands-on practical, administrative, psychological, legal, palliative, and Second Medical Opinion support coordinated by a personal Care Manager, and are backed by partners AXA Partners, DAS, Patronale Life, Prisma Life, and IP-Assistance.

Product overview

Cares Assistance offers a portfolio of three named insurance/assistance products grouped under two solution lines: an "Overlijden" (death) line comprising Funeral Care and Family Care, and a "Ziekte" (illness) line built around Vital Care, which also extends to death assistance. The three products share a common architecture combining a financial capital payout with coordinated practical, administrative, psychological, legal, and palliative assistance services, and are underwritten in partnership with AXA Partners (with DAS additionally backing Vital Care). They are distributed in Belgium through an FSMA-recognised intermediary (gevolmachtigde onderschrijver) network supported by a dedicated Makelaarsportaal (broker portal).

Differentiator

Problem solved

Functional benefit

Brands

• Family Care: Burial/death assistance product offering personal, financial and practical support before, during and after a death.
• Funeral Care
• Vital Care

Products and services

• Funeral Care Overlijdensbijstand (death assistance) product marketed as the only such offering on the Belgian market that intervenes before, during, and up to one year after a death, bundling financial capital with hands-on support. Backed by AXA Partners.
• Family Care Death-assistance sub-product within Cares Assistance's Overlijden (death) solution line, marketed under the slogan "Jouw welzijn, onze zorg" (Your wellbeing, our care), offering personal, financial and practical support before, during and after a death and supported by AXA Partners.
• Vital Care Combined illness (e.g., cancer, heart attack, stroke) and death assistance product that protects households against the financial and practical consequences of serious illness or death. Provides a personal Care Manager (qualified social worker) coordinating support within hours of diagnosis or death notification, combining capital payout with administrative, psychological, legal, palliative, practical, and Second Medical Opinion services. Backed by DAS + AXA Partners.

Quantifiable outcome

• Coverage window of up to 1 year after death — unique on the Belgian market per company claim.
• +1 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Ten partnerships are on record, tiered flagship — primary assistance back-end for both funeral care and vital care lines; co-branded with 'assistance by axa' and 'das + axa partners' on the company's homepage banners., flagship — co-branded with axa partners on the vital care product banner., core — insurance carrier partner featured in the partner logo bar., core — named partner in the homepage partner bar., core — linked from the homepage partner bar; carries the 'assistance-by-axa' label., supporting — industry association membership highlighted in a dedicated blog post., supporting — charity partner surfaced on the homepage 'goede doelen' section. and supporting — charity partner surfaced on the homepage 'goede doelen' section and in blog content..

• AXA Partnersflagship — primary assistance back-end for both funeral care and vital care lines; co-branded with 'assistance by axa' and 'das + axa partners' on the company's homepage banners.Strategic or Co-development PartnerAXA Partners powers the assistance services behind Cares Assistance's products: the Funeral Care banner explicitly reads 'Overlijdensbijstand ondersteund door AXA Partners' (death assistance supported by AXA Partners), and the Vital Care banner carries 'DAS + AXA Partners' branding. A dedicated blog post titled 'AXA Partners en Cares Assistance: hulp die verder gaat dan financiële steun' further describes the collaboration as going beyond financial support to provide practical help when life takes an unexpected turn through death or serious illness.
• DASflagship — co-branded with axa partners on the vital care product banner.Strategic or Co-development PartnerDAS (a legal-expense and assistance provider) is featured alongside AXA Partners in the 'DAS + AXA Partners' branding on the Vital Care homepage banner, providing the legal/assistance component of the illness-and-death assistance offering.
• Patronale Lifecore — insurance carrier partner featured in the partner logo bar.OEM/ Whitelabel/ Licensing PartnerPatronale Life (patronale-life.be) is listed as one of Cares Assistance's named partners on the homepage partner bar, indicating it underwrites or supplies insurance capacity for Cares Assistance's products.
• Prisma Lifecore — insurance carrier partner featured in the partner logo bar.OEM/ Whitelabel/ Licensing PartnerPrisma Life (prismalife.com/nl/) is listed as one of Cares Assistance's named partners on the homepage partner bar, supplying insurance capacity for the Funeral Care / Family Care / Vital Care offerings.
• Poboscore — named partner in the homepage partner bar.Strategic or Co-development PartnerPobos (pobos.be) is featured as one of Cares Assistance's partners in the homepage 'Onze partners' logo bar, indicating a cooperative relationship supporting the company's distribution or service delivery.
• IP-Assistancecore — linked from the homepage partner bar; carries the 'assistance-by-axa' label.Strategic or Co-development PartnerIP-Assistance (ip-assistance.be/nl/) is listed as a partner on the homepage, with a logo that also displays the 'assistance-by-axa' branding, suggesting IP-Assistance operates as the underlying AXA-branded assistance entity supporting Cares Assistance.
• BAUA (Beroepsfederatie van gevolmachtigde onderschrijvers)supporting — industry association membership highlighted in a dedicated blog post.OthersCares Assistance is a member of BAUA, the Belgian professional federation of authorized underwriters ('beroepsfederatie van gevolmachtigde onderschrijvers in België'), as featured in the blog post 'Cares Assistance is trots lid van BAUA'.
• Kinderkankerfondssupporting — charity partner surfaced on the homepage 'goede doelen' section.GTM or Marketing PartnerKinderkankerfonds (children's cancer fund, kinderkankerfonds.be) is one of three charities Cares Assistance supports, featured under the section 'Dankzij jou kunnen we deze goede doelen steunen' with its logo and a link to the charity's homepage.
• Centrum ter Preventie van Zelfdoding (CPZ)supporting — charity partner surfaced on the homepage 'goede doelen' section.GTM or Marketing PartnerCPZ (preventiezelfdoding.be, the Centre for Suicide Prevention) is one of three charities Cares Assistance supports, listed under 'Dankzij jou kunnen we deze goede doelen steunen' with logo and link.
• Téléviesupporting — charity partner surfaced on the homepage 'goede doelen' section and in blog content.GTM or Marketing PartnerTélévie (televie.be, cancer research charity) is one of three charities Cares Assistance supports, featured under 'Dankzij jou kunnen we deze goede doelen steunen' and also referenced in the Vital Care cancer-support blog post.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• AG Insurance: Major Belgian insurer (Ageas group) offering life, hospitalization, and funeral-related cover through bank-insurance channels. Comparable as an incumbent with overlapping funeral/illness protection products.
• Allianz Belgium: Belgian subsidiary of global insurer Allianz offering life, health, and assistance products. Comparable broad incumbent with potential overlap in death and serious-illness assistance.
• Belfius Verzekeringen: Belgian bank-insurer offering life, hospitalization, and protection products including death-related cover. Comparable broad incumbent with overlapping Belgian consumer protection offerings.
• AXA Belgium: Belgian arm of global insurer AXA, offering life, health, and assistance products. Indirect comparator — AXA Partners also underwrites for Cares Assistance, making AXA simultaneously a partner and a potential competitor if it launched a similar Care Manager offering.
• Federale Verzekering: Belgian cooperative insurer active in fire, life, and family protection including funeral cover. Comparable broad Belgian insurer with overlapping death-related protection products.
• Ethias: Large Belgian mutual insurer offering hospitalization, life, and funeral/death cover products. Overlaps with Cares Assistance on death and serious-illness assistance, but as part of a much broader insurance portfolio.

Others

• IP-Assistance: Belgian assistance provider branded 'Assistance by AXA' that underpins Cares Assistance's claims infrastructure. Comparable as an adjacent ecosystem participant — both a partner and a potential white-label competitor in the same assistance value chain.

Regional players

• Monuta: Dutch-origin funeral insurer and assistance provider active in Belgium. Comparable product set (funeral insurance and death-related services) but operates primarily in the Netherlands, providing a useful cross-border benchmark for the niche.

Direct peers

• DELA Belgium: Belgian arm of the DELA cooperative, one of the most prominent providers of funeral insurance and death-related assistance in Belgium. Directly comparable as a Belgian-market death/funeral assistance provider with broker and direct distribution.

Emerging players

• VDK Verzekeringen: Belgian insurer focused on independent brokers with personal insurance including death and family protection products. Comparable as a smaller, broker-channel-led Belgian player overlapping in the death-assistance space.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CaresAssistance
• LinkedInlinkedin.com/company/cares-assistance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cares Assistance