Is hospitalisation insurance compulsory?

In Belgium it is mandatory to join a health insurance fund. However, it is not mandatory to purchase hospitalisation insurance. Nevertheless, there are many advantages to hospitalisation insurance. Read more about it on this page.

What is hospitalisation insurance?

Hospitalisation insurance is supplementary insurance for hospital expenses. Since statutory health insurance does not cover all the costs of your hospitalisation, the cost to you personally can quickly add up.

Good hospitalisation insurance protects you and your family from these extra expenses. It is important to purchase hospitalisation insurance in good time. That is because, from the moment you purchase insurance, a standard waiting period of six months will apply. 

Is hospitalisation insurance mandatory?

As mentioned, hospitalisation insurance is not mandatory. However, it is a good idea to have it. That way you are protected against hospital costs that are not covered by social security. Think of expenses associated with childbirth or (unexpected) surgery. Did you know that every year, one in two families in Belgium is faced with a hospital admission? So make sure you are adequately prepared by purchasing hospitalisation insurance.

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When do you need hospitalisation insurance? 

Find out in our free e-book.

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What are the advantages of having hospitalisation insurance?

Reliable hospitalisation insurance ensures that you don't have to worry about hospital bills. Whether it is a day admission or a prolonged hospitalisation.

What exactly hospitalisation insurance does for you and in what situations you can rely on it depends on the policy you choose. Will you opt for Hospitalia, Hospitalia Medium or Hospitalia Plus? Compare which of the three policies is best suits for you.

Need advice or guidance?

Would you like to purchase hospitalisation insurance through Helan? 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,