Choosing hospitalisation insurance: What do you need to be aware of?
A hospital admission costs a lot of money, and the costs before and after your admission can also be high. So, it is better to be well insured if you end up in hospital for an operation, childbirth or treatment for an illness. This page tells you about the things to consider when choosing hospitalisation insurance.
Being well insured by your health insurance fund
Buying hospitalisation insurance through your health insurance fund has many advantages. In contrast to commercial insurance companies, the aim of a health insurance fund is not to make a profit. Helan Health Insurance Fund aims to provide the best possible protection at an affordable price.
The Serious Illness Guarantee
If you opt for hospitalisation insurance, be sure to check what the reimbursements are in the event that you become seriously ill. For instance, Hospitalia Medium provides an extra protection in the event of a severe illness such as cancer, Parkinson's Disease, Crohn's Disease, and others. You will then be entitled to additional reimbursements of up to €7000 a year for a minimal extra cost, have copayments reimbursed and your insurance will also reimburse you for medical equipment rental.
Which hospitalisation insurance is the best?
Of course, what you want a hospitalisation insurance policy to do is to cover what is important to you.. That’s possible with Hospitalia. Helan has an insurance policy to suit your life circumstances or to meet the needs of your family. Excellent value for money comes as standard.
- Hospitalia is an affordable, basic insurance, providing reimbursement for most of your admission costs in a multi-occupancy room. There is no age limitation for Hospitalia, so you can get in at any age.
- Hospitalia Medium not only provides affordable protection against high hospital costs, it also responds to current trends. Hospital stays are getting shorter and shorter, and for that reason Hospitalia Medium offers comprehensive reimbursement of pre-admission care and aftercare as well as an innovative package of services for those who are hospitalised or recuperating.
- Hospitalia Plus is the most comprehensive hospitalisation insurance available from Helan. It features reimbursements of up to 300% with comprehensive pre-admission care and aftercare, the privacy of a single room and extra household help after your admission. With Hospitalia Plus you can depend on receiving reimbursements with no annual limit.
“I wanted to be well insured against high doctor's fees and to have a single room at the hospital. I'm covered for both with Hospitalia insurance, and at a very affordable price because I joined at a young age.”
“I fell while on a bike ride with a friend. My day ended in the hospital, with a broken collarbone. Since then I have recovered well, although it is still sometimes painful to sleep on my shoulder. But there too, I know that if I need aftercare, Hospitalia will step up to help.”
“The support was arranged very quickly, everything came at the perfect time. It couldn't be any better. This is my first experience with Hospitalia Assist. Its great!”
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Need advice or guidance?
Have a question about our policies, coverage or price? We'd be happy to help! You can contact one of our customer advisers through a variety of channels. Together we will look at your question or circumstances.
Helan Independent Health Insurance Fund is the insurance agent (n° CDZ 5006c) for ‘MLOZ Insurance’, the VMOB of Independent Health Insurance Funds, (Register of Legal Entities in Brussels, 422.189.629, recognised under no. CDZ 750/01 for branches 2 and 18). View the data sheet and the General Terms and Conditions. Belgian law applies to the insurance contract. The term of the contract is whole life. In the event of any complaint, contact the complaints department of Helan Health Insurance Fund or the insurance ombudsman. For more information about purchasing this/these product(s), please contact Helan Health Insurance Fund. Helan Onafhankelijk ziekenfonds, Boomsesteenweg 5, 2610 Wilrijk, 0411.696.011, RPR Antwerpen, www.helan.be.