Does my hospitalisation insurance cover expenses incurred abroad?

Even while temporarily staying abroad, you could be hospitalised. Read here about the coverage you can depend on receiving and what you should consider when travelling abroad.

Multi-day hospitalisation abroad

A multi-day hospitalisation abroad is covered by Helan's hospitalisation insurance policies. First, the mandatory insurance intervenes to reimburse costs covered by statutory health insurance. The amount remaining after this will be reimbursed by your hospitalisation insurance.

  • Hospitalia: maximum reimbursement of up to €200 per day
  • Hospitalia Medium and Plus: maximum reimbursement of up to €360 per day

Please note: If a limitation was imposed due to a pre-existing condition, that limitation will also apply to any admission abroad.

Day admission abroad

The cost of a day admission while in a foreign country is not reimbursed by Helan's hospitalisation insurance.

Mediphone Assist

Did you end up in hospital while on holiday? Helan customers are advised to call Mediphone Assist as soon as possible. Mediphone Assist is the health insurance fund's travel assistance centre. You will receive a payment guarantee if you call within 48 hours of your admission. The Mediphone Assist medical assistance team will also consult with the local physician to determine the best medical approach. This way, you always get the right medical help, even when you are in a foreign country. 

When do you need hospitalisation insurance? 

Find out in our free e-book.

Download the e-book


Always take your European Health Insurance Card (EHIC) with you when you go abroad. That card proves that you are in entitled to Belgian health insurance abroad. Helan customers always have their EHIC in their pocket digitally, on the My Helan app! 

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,