What does my hospitalisation insurance not cover?

How should I decide this?

The choice of single or double room depends on your own preference. There should be no medical advantages or disadvantages to the choice of room. So your choice depends mainly on personal comfort and how much privacy you want (or need). Your choice does affect the price; the premium for a single room is higher.

How should I decide this?

The choice of single or double room depends on your own preference. There should be no medical advantages or disadvantages to the choice of room. So your choice depends mainly on personal comfort and how much privacy you want (or need). Your choice does affect the price; the premium for a single room is higher.

What exactly is it? The doctor surcharge is an additional amount a doctor may charge on top of the fee. The amount of the doctor surcharge is not fixed and also depends on the type of room you choose when you are admitted to hospital. A doctor surcharge is only charged if you choose a single room. The hospital is obliged to inform you of the possible charge supplements: the maximum amounts per room type are listed on the admission form. In Flanders, UZ Gent, A.S.Z. Aalst and Imelda Bonheiden charge more than 200% fee supplements. In Brussels, there are some hospitals that charge very high fee supplements, up to 500%.

Are you sure you do NOT want a serious illnesses guarantee option?

It is not expensive and offers you great extra security if you or someone in your family falls seriously ill. Think for instance of cancer, leukaemia, diabetes, Crohn's disease, MS, ... Via the major illnesses guarantee, you receive up to 7.000 euros extra for the treatment of 31 recognised major illnesses. For a small extra cost, as from €0.32 per month the guarantee is included in your insurance package. It is best to opt for it early enough; from the moment of diagnosis, you can no longer add the guarantee to your insurance policy.