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Many people have hospitalisation insurance through their employer. If you retire from or lose your loss, the policy ends and you have to take care of remaining insured yourself. We have compiled a list of the various options below.
Hospitalia Continuity is Helan's waiting insurance policy. This policy ensures that you are instantly and affordably reinsured if you should lose your employer-sponsored hospitalisation insurance. Moreover, there is no waiting period, no new medical questionnaire and no additional, age-related surcharge.
Our advice: get the waiting insurance Hospitalia Continuity well before you retire. That way you keep the premium as low as possible and always have peace of mind.
The Verwilghen Act gives every employee the right to personally continue their employer-sponsored group hospitalisation insurance. This means that if you retire from or lose your job, you can remain protected. You cannot be refused because of your age or health condition. This entitlement applies not only to you, but also to your co-insured persons (such as any family members who were also insured through your employer-sponsored policy).
Be sure to consider the premiums. They will often be more expensive than they were during your employment. So, inform yourself well in advance.
You can also purchase completely new hospitalisation insurance when you retire. You can buy it either from a health insurance fund or a private insurer.
What should you look out for?
Don't lie awake worrying about high hospital bills. Helan’s Hospitalia insurance ensures that you are well protected. Choose the insurance that suits you best from the three Hospitalia policies.