Hospitalisation insurance policy

You must already be a customer of Helan Health Insurance Fund in order to join Hospitalia. If you want to change your health insurance fund, it is very easy to do so online. Would you prefer to have personal advice? Make an appointment. We would be happy to help.

Become a customer

It is not at all complicated. Switching can be done quickly and easily online, even when insurance is included. You simply answer a few questions, and we do the rest. Would you prefer to have personal advice? Make an appointment. We would be happy to help.

Become a customer

Every insurance policy has a waiting period. This is the amount of time that you have to wait before you can get reimbursements. At Helan, the waiting period is limited to just six months. Pregnancy and childbirth are exceptions, for which a waiting period of up to nine months may be applicable.

But emergencies don't always obey laws, of course. Do you need urgent medical care after an accident? In such cases, the waiting period is waived. And if you had a similar policy before you joined, the waiting period will be waived as well.

Every hospitalisation insurance application requires completing a medical questionnaire, and this is also the case for Helan's insurance policies. In this questionnaire, we ask questions about your medical history.

For certain medical conditions, a medical report will be requested after you complete the questionnaire. You can obtain this report from your GP or consulting physician, and submit it to the health insurance fund. This will be used to decide whether you will be assigned an insurance restriction for this pre-existing medical condition. We recommend that you always fill in this questionnaire truthfully. If the medical questionnaire contains inaccuracies or is incomplete, reimbursement will be refused.

Some hospitals in Brussels and Wallonia and also Ghent University Hospital (UZGent) apply very high doctor's surcharges, up to 500%.

• If you are insured with Hospitalia and stay in a single room in one of these hospitals, we charge a deductible of €150. However, Hospitalia does reimburse the doctor's surcharges up to 100%.
• If you are insured with Hospitalia Medium and stay in a single room in one of these hospitals, we charge a deductible of €150. However, Hospitalia Medium does reimburse doctor's surcharges up to 200%.
• If you are insured with Hospitalia Plus and stay in a single room in one of these hospitals, we charge a deductible of €150. However, Hospitalia Plus does reimburse doctor's surcharges up to 300%.
• We will never charge a deductible in a multi-person room in these hospitals.
• For an admission in a single room in another hospital, beyond this list, we never charge a deductible.
• Do you have a planned admission in one of these hospitals? Contact us so we can advise you on how to optimise your reimbursement.

From domestic help to medical transport and a childminder for your child. Hospitalia Assist provides the helping hands you need. Hospitalia Assist is there for you  before, during or after your hospitalisation, or if you are seriously ill.

• Accommodation for cats and dogs.
• Childcare for underage children.
• Pedagogical support for underage children.
• Home help for cleaning, ironing and meals, beyond any existing contract with Helan Cleaning and Ironing.
• Nursing care for single persons on their first night home after admission.
• Transport of third parties, e.g. grandchildren who need to go to school
• Transport of your dog or cat
• Delivery of medicines or meals to your home
• Non-urgent medical transport, by taxi or otherwise
• Psychological support
• Unlimited telephone assistance for your administration

With the Serious Illnesses Guarantee, you are insured for the treatment costs of 31 recognised serious illnesses:

Cancer, leukaemia, Parkinson's disease, Hodgkin's disease, Alzheimer's disease, AIDS, tuberculosis, multiple sclerosis, amyotrophic lateral sclerosis, cerebrospinal meningitis, poliomyelitis, progressive muscular dystrophy, encephalitis, tetanus, cystic fibrosis, Crohn's disease, Brucellosis, liver cirrhosis due to hepatitis, scleroderma with organ involvement, type-I diabetes, ulcerative colitis, Pompe disease, malaria, typhus exanthematicus, typhoid and paratyphoid diseases, diphtheria, cholera, anthrax, Creutzfeldt-Jacob disease, renal insufficiency (i.e. an inability to function without dialysis) and organ transplantation (except cornea and skin transplantation)