Pre-admission care, aftercare and hospitalisation insurance

There are often a lot of medical expenses before hospitalisation. Expenses may also mount up during the rehabilitation period afterwards . Fortunately, these expenses may be covered by your hospitalisation insurance policy. Find out below what pre-admission care and aftercare are, and when they are covered by your hospitalisation insurance.

What are pre-admission care and aftercare?

Sometimes you need extra care before and after a hospitalisation. Medical expenses associated with your hospitalisation will be reimbursed for a certain period of time.

Pre-admission and aftercare include:

  • Most copayments for consultations
  • Surcharges up to 100% of the official rate for consultations
  • Drugs covered by statutory health insurance
  • Physiotherapy after hospitalisation: 20 sessions within 90 days for Hospitalia, and 45 sessions within 180 days for Hospitalia Medium and Hospitalia Plus

What does this not include?

  • The rental or purchase of medical equipment
  • Costs and care not reimbursed by statutory health insurance


For how long will my insurance cover my pre-admission care and aftercare?


Included in your Hospitalia insurance policy are 30 days of pre-admission care and 90 days of aftercare.


Hospitalia Medium

Included in the Hospitalia Medium insurance policy are 60 days of pre-admission care and 180 days of aftercare.


Hospitalia Plus

Included in the Hospitalia Plus insurance policy are 60 days of pre-admission care and 180 days of aftercare.


How do I make a claim for reimbursement?

Healthcare services before and after hospitalisation can only be reimbursed after you have provided us with a hospital invoice which you paid. Reimbursement may be refused if the expenses concerned are not covered by your hospitalisation insurance. Find out on this page how to apply for a reimbursement.

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,