What does my hospitalisation insurance not cover?

Not all hospital admissions are covered under the health insurance fund. If the admission is not covered by statutory health insurance, you will also not be reimbursed through your hospitalisation insurance.

Below is an overview of expenses not covered. Please note: this is a non-exhaustive list, so there may be other expenses that are not covered.

  • Toiletries, cosmetics, food, wines, mineral waters and luxury expenses. 
  • Healthcare services that are aesthetic in nature. 
  • Dental implants and dental prostheses and any associated healthcare services. 
  • Healthcare services associated with ‘rejuvenation’. 
  • Expenses associated with experimental treatments and medicines. 
  • Expenses associated with medical treatments intentionally done abroad and not authorised by a statutory health insurance consulting physician. 
  • Expenses subject to VAT. 

Cover under the Hospitalia plan

Of course, what you want a hospitalisation insurance policy to do is to cover what is important to you. Cover varies depending on the Hospitalia plan.

Hospitalia, Hospitalia Medium, or Hospitalia Plus? Compare and Choose the Hospitalisation insurance policy that suits you best from our three insurance policies.

Discover our hospitalisation insurance policies

When do you need hospitalisation insurance? 

Find out in our free e-book.

Download the e-book

Where can I find the General Terms and Conditions?

Would you like more detailed information about your insurance with Helan? You can find all the terms and conditions on our website. Please do not hesitate to contact us with any questions. We are happy to help you.

Hospitalia hospitalisation insurance policies

Complete peace of mind with Hospitalia

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.

Discover our hospitalisation insurance policies

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.