Hospitalisation insurance for self-employed people

Niemand is vrij van een ongeval, operatie of ziekenhuisopname. Vandaar is het als zelfstandige ook belangrijk om goed verzekerd te zijn. Welke hospitalisatieverzekering kies je het best als zelfstandige? Wat is de prijs? Op deze pagina krijg je een antwoord op al je vragen.

Why do self-employed people need hospitalisation insurance?

When you work for yourself, you are used to having your affairs under your own control. Unfortunately, your health is not always in your control. Have you ever thought about what you would do if you were to be admitted to hospital? Your health insurance will not cover all hospital expenses, sadly. As you are self-employed, it is advisable to buy comprehensive hospitalisation insurance.

Keep in mind that in most cases, a waiting period of six monthsis applicable.t


Wat is de kostprijs van een hospitalisatieverzekering voor zelfstandigen?

De kostprijs van een hospitalisatieverzekering voor zelfstandigen varieert. Er is geen vaste prijs, de maandelijkse premie is afhankelijk van een aantal factoren zoals de leeftijd en de dekking die je verkiest. 

Vergelijk onze verschillende dekkingen en raadpleeg onze handige prijzentabel. Zo kies je de verzekering die het beste past bij jouw behoeften en budget.Een hospitalisatieverzekering is ook voor zelfstandigen een waardevolle investering die zorgt voor financiële gemoedsrust in geval van onverwachte medische kosten.

What is the best hospitalisation insurance policy for a self-employed person?

Hospitalia, Hospitalia Medium, or Hospitalia Plus? Of course, what you want a hospitalisation insurance policy to do is to cover what is important to you. Our three policies always provide cover that is tailored to you and your family. And they all have an excellent price-quality ratio. Compare to find out which policy is best for you.

As a self-employed person, would you like the most comprehensive Hospitalia Plus cover? If so, these are the benefits you will be entitled to:

  • The peace and privacy of a single room

  • Cover for unscheduled hospitalisation abroad

  • Cover for doctor  and room surcharges

  • Care before and after a hospital admission

  •  Other reimbursements such as homebirth and maternity care

When do you need hospitalisation insurance? 

Find out in our free e-book.

Download the e-book

Is hospitalisation insurance tax deductible?

Premiums paid for hospitalisation insurance (whether you are member of a health insurance fund or a private company) are not tax deductible.

Optimally insured for serious illness.

You can get the insurance policies Hospitalia, Hospitalia Medium and Hospitalia Plus and enhance your chosen policy with the Serious Illness Guarantee option. That guarantee ensures that the treatment costs of a serious illness are reimbursed throughout the year, apart from your hospital admission. Examples include daily medication expenses, consultations with the specialist or the rental of medical equipment.

You will receive up to an additional €7000 every year for the treatment of 31 recognised serious illnesses. This extra guarantee protects you from as little as €0.30 per month. Please consult the General Terms and Conditions for the Serious Illnesses Guarantee

Need advice or guidance?

Have a question about our policy plans, cover or pricing? You can contact 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,