legacy.baloise.be/MyBaloisePublic/nl-BE/GeneralCondition/DownloadFile?generalConditionId=1260&reference=0096-B0965L0000.03-30062017&language=nl-BE&sha=20a2839b082820438c4b82d848845b1e711b89c06733b8d4a73031a63b4ee1a3 Algemene Voorwaarden IPT NL