What does hospitalisation insurance cover?

With Hospitalia hospitalisation insurance, you can choose between three plans. The plan you choose depends on your personal circumstances. For example, there are differences in cover for pre-admission and aftercare, the room and doctor surcharges and Hospitalia Assist.

View in detail what to expect from the three insurance policies.

What are the conditions?

There are some conditions attached to hospitalisation insurance. For instance, you have to have had the insurance for a certain period of time before you can receive reimbursements from your insurance. This is known as the waiting period. Furthermore, there may also be an age limit . This means you can no longer get a particular insurance policy at a certain age. In addition, you are required to be customer of Helan Health Insurance Fund to join one of our insurance policies.


Read more about the terms and conditions as well as the waiting period

When can you benefit from hospitalisation insurance? 

Find out in our free e-book.

Download the e-book

What does hospitalisation insurance cost?

The price of hospitalisation insurance depends on several factors. On the one hand, the amount of cover determines the cost. The higher the coverage, the more expensive the insurance. On the other hand, age is also a factor. The earlier you get hospitalisation insurance, the lower the rates are. Refer to our handy price table to find out how much hospitalisation insurance will cost for you and your family.

How can you join?

You can buy hospitalisation insurance in several ways. Online, on paper or through an appointment with one of our advisers. To join the fund, you complete an affiliation form and a medical questionnaire and sign both documents.

Need advice or guidance?

Do you have a question about our policies, coverages or prices? 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.