What does my hospitalisation insurance cover?

At Helan Health Insurance Fund, we offer three different policy plans, each with its own level of cover and conditions. Find out in detail here what each plan reimburses.

	Hospitalia	Hospitalia Medium and Hospitalia Plus
Hospitalisation in Belgium (generally)
Excess	No excess.*	No excess.*
Annual global limit amount	Up to € 25,000/year	No annual global limit amount.
Advance payment to hospital	Reimbursement of statutory advance payment.	Reimbursement of statutory advance payment.
Costs associated with experimental treatments and medicines are not insured. *Exception: An excess for a single room is possible in certain more expensive hospitals.
Reimbursements in the event of day admission in a double or multiple occupancy room
Room supplements	These costs do not apply in a double or multiple occupancy room.	These costs do not apply in a double or multiple occupancy room.
Fee supplements	These costs do not apply in a double or multiple occupancy room.	These costs do not apply in a double or multiple occupancy room.
Non-refundable fees	-	Reimbursement after approval by a medical advisor (no reimbursement for cosmetic fees).
Refundable implants and prostheses	Full reimbursement. Dental implants not covered.	Full reimbursement. Dental implants not covered.
Non-refundable implants and prostheses	Up to € 2,500/admission. Dental implants not covered.	Up to € 5,000/admission. Dental implants not covered.
Reimbursements in the event of day admission in a single room
Room supplements	Up to € 80/day.	Up to € 80/day.
Fee supplements	Up to 100% of the statutory rate.	Up to 100% of the statutory rate.
Non-refundable fees, robot surgery and IVF	-	Up to € 1,000/admission, after approval by a medical advisor. (no reimbursement for cosmetic fees)
Refundable implants and prostheses	Up to € 1,250/admission (50% of the amount invoiced). Dental implants not covered.	Up to € 5,000/admission. Dental implants not covered.
Non-refundable implants and prostheses	Up to € 2,500/admission. Dental implants not covered.	Up to € 5,000/admission. Dental implants not covered.
Miscellaneous costs	Up to € 6/day (except for costs for telephone, television, flowers, drinks, etc.).	Reimbursement for rooming-in with children younger than 19 years old.
Reimbursements in the event of admission for several days in a double or multiple occupancy room
Room supplements	These costs do not apply in a double or multiple occupancy room.	These costs do not apply in a double or multiple occupancy room.
Fee supplements	These costs do not apply in a double or multiple occupancy room.	These costs do not apply in a double or multiple occupancy room.
Non-refundable fees	-	Full reimbursement after approval by a medical advisor (no reimbursement for cosmetic fees).
Refundable implants and prostheses	Full reimbursement. Dental implants not covered.	Full reimbursement.
Non-refundable implants and prostheses	Up to € 2,500/admission. Dental implants not covered.	Up to € 5,000/admission.
Miscellaneous costs	Reimbursement (except for costs for telephone, television, flowers, drinks, etc.). Reimbursement for rooming-in with children younger than 19 years old.	Reimbursement for rooming-in with children younger than 19 years old.
Reimbursements in the event of admission for several days in a single room
Room supplements	Up to € 80/day.	Up to € 80/day.
Fee supplements	Up to 100% of the statutory rate.	Hospitalia Medium: up to 200% of the statutory rate. Hospitalia Plus: up to 300% of the statutory rate.
Non-refundable fees, robot surgery and IVF	-	Up to € 1,000/admission, after approval by a medical advisor (no reimbursement of cosmetic fees).
Refundable implants and prostheses	Up to € 2,500/admission. Dental implants not covered.	Full reimbursement. Dental implants not covered.
Non-refundable implants and prostheses	Up to € 1,250/admission (50% of the amount invoiced). Dental implants not covered.	Up to € 5,000/admission. Dental implants not covered.
Miscellaneous costs	Up to € 6/day (except for costs for telephone, television, flowers, drinks, etc.). Reimbursement of € 25/day for rooming-in with children younger than 19 years old.	Reimbursement for rooming-in with children younger than 19 years old.
Medication during hospitalisation
Pharmaceutical products with intervention in the compulsory insurance scheme	Full reimbursement.	Full reimbursement.
Pharmaceutical products with no intervention in the compulsory insurance scheme	Up to € 1,200/admission.	Up to € 1,200/admission.
Parapharmaceutical products	Only for surgical stockings: 50% in a single room, full reimbursement in a double and multiple occupancy room.	Up to € 250/admission and full reimbursement for surgical stockings.
Pre- and aftercare, both in the case of day care and an overnight stay in hospital
Patient contributions and fee supplements	Precare: Patient contributions and supplements up to 100% of the statutory rate in the 30 days prior to admission. Aftercare: Patient contributions and supplements up to 100% of the statutory rate in the 90 days after admission.	Precare: Patient contributions and supplements up to 100% of the statutory rate in the 60 days prior to admission. Aftercare: Patient contributions and supplements up to 100% of the statutory rate in the 180 days after admission.
Medication (with intervention based on the compulsory insurance scheme)	Precare: 100% of patient contributions in the 30 days prior to admission. Aftercare: 100% of patient contributions in the 90 days after admission.	Precare: 100% of patient contributions in the 60 days prior to admission. Aftercare: 100% of patient contributions in the 180 days after admission.
Physiotherapy	Aftercare: 20 sessions in the 90 days after admission.	Aftercare: 45 sessions in the 180 days after admission.
Braces	Up to € 50/admission, on doctor’s prescription in the 90 days after admission.	Up to € 50/admission, on doctor’s prescription in the 180 days after admission.

Where can I find the General Terms and Conditions?

Would you like more detailed information about your insurance with Helan? You can find all the general terms and conditions on our website. Please do not hesitate to contact us with any questions. We are happy to help you.

What does my hospitalisation insurance cover?

Where can I find the General Terms and Conditions?

Read more about hospitalisation insurance