Will I have to pay a deductible in the event of a hospital admission?

Some insurance companies apply a deductible in the event of a claim. Find out exactly what this means here.

What is a deductible?

A deductible is also known as an 'excess' in the insurance world. This is the part of the claim that you have to pay yourself, even though you have insurance for that claim. The deductible can be a fixed amount or a percentage, depending on which type of insurance you have. 

Will I have to pay a deductible in the event of a hospital admission?

Do you have hospitalisation insurance through Helan? Then you won't have to pay a deductible in the event of hospitalisation. 

Exceptions include: UZ Gent and several other hospitals in Brussels and Wallonia that charge especially high rates. For an admission in a single room at one of these hospitals, a deductible of €150 is charged to the patient. For an admission in a multiple occupancy room in these hospitals, there is never a deductible.

Have a look at list of the more expensive hospitals to check your rate.

When do you need hospitalisation insurance? 

Find out in our free e-book.

Download the e-book

Need advice or guidance?

Would you like to purchase hospitalisation insurance through Helan? Do you have quesions or do you need advice? 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.