The waiting period for hospitalisation insurance

Are you considering taking out hospitalisation insurance or would you like to switch from another health insurance fund to a Helan policy? If so, in many cases a waiting period applies. Read everything you need to know about Helan hospitalisation insurance and the waiting period.

What is the waiting period?

Would you like to purchase hospitalisation insurance? Then keep in mind that in most cases there is a waiting period of six months.

A hospitalisation insurance insures a risk you hope does not occur. To prevent abuse of this cover, most insurance policies have a waiting period. The waiting period helps keep premiums low, which ensures that hospitalisation insurance remains accessible to everyone.

Pregnancy waiting period

Are you pregnant and would like to purchase hospitalisation insurance? In that case, a waiting period of nine months will apply.

From the seventh month, however, you can already receive reimbursement if you stay in a double-occupancy room. Want to know if this limited reimbursement applies to you? Contact us for more information.

What if you are moving from a private insurer or other health insurance fund?

• Already have hospitalisation insurance with another health insurance fund or an insurer, but want to switch to Helan Health Insurance Fund? If so,  the waiting period for our hospitalisation insurance policy will be waived if both insurance policies have similar cover 
   
• Do your old and new hospitalisation insurance policies not offer the same cover? Then, in the event of a hospital admission during the waiting period, you will receive reimbursements for the all items that were covered by your old hospitalisation insurance policy. Once the waiting period is over, you will also receive reimbursements for items included in your new hospitalisation insurance.

Do you have hospitalisation insurance through your employer?

Are you a member of an employer-sponsored group hospitalisation insurance plan? That's a great perk, but what do you do if your contract ends (unexpectedly) or if you retire?

Are you younger than 65? If so, the insurance Hospitalia Continuity may be of interest to you. This is a waiting insurance policy. If your employer-sponsored hospitalisation insurance ends, you can transfer your cover without waiting period, without a medical questionnaire and without an increased age-related premium to Hospitalia, Hospitalia Medium or Hospitalia Plus. You can purchase Hospitalia Continuity even if you have not had insurance with Helan Health Insurance Fund before.