Medical questionnaire for hospitalisation insurance

Are you purchasing one of our hospitalisation insurance policies? Then we will ask you to complete a medical questionnaire. Read more here about what that involves.

What is a medical questionnaire?

A medical questionnaire is requested by every (health insurance fund or private) insurer when you want to purchase hospitalisation insurance . In the questionnaire there are questions about your medical situation and medical history. They help the insurer identify existing conditions in advance.

A medical questionnaire may only inquire about your health status. No questions may be asked about genetic data. So, an insurer should never inquire about diseases that run in your family. 

What limitations may be imposed?

Your medical questionnaire will be submitted to the consulting physicians of the Landsbond van de Onafhankelijke Ziekenfondsen (national association of independent health insurance funds). 

Did you answer 'yes' somewhere? Then you will be sent a letter. It contains a request to send a medical report to the health insurance fund. You simply request this report from your GP or physician. The Landsbond van de Onafhankelijke Ziekenfondsen will make a decision about your eligibility based on that report. 

Don't worry, we will never exclude you because of a medical condition, and your monthly premium will not be higher because of it.  The only thing that may result is a limitation. This means that for your medical condition, you will get only a limited reimbursement if you opt for a single room

If you are staying in a double-occupancy room, the limitation is not taken into account and you will receive the standard level of reimbursement (according to the terms of your insurance policy).  

What if the medical questionnaire was filled in incorrectly?

We recommend completing the medical questionnaire truthfully. If it is found that the questionnaire contains inaccuracies or is incomplete, reimbursement payments will be refused.

When will my hospitalisation insurance start?

Have you completed the medical questionnaire and submitted your application? Then your hospitalisation insurance takes effect on the first day of the following month (provided you are a member of the health insurance fund). However, there is a waiting period of six months. Read more about the waiting period.

Hospitalia hospitalisation insurance policies

Complete peace of mind with Hospitalia

Don't lie awake worrying about high hospital bills. Helan hospital insurance ensures that you are well protected. Choose the insurance that suits you best from the three Hospitalia policies.

Discover our hospitalisation insurance policies

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,