Hospitalia Plus

Extensive cover

  • The tranquillity of a single room
  • 60 days of pre- and 180 days of aftercare 
  • Help at home after your admission with Hospitalia Assist 
  • Generously insured with no limit 
  • Doctor's fee surcharges reimbursed up to 300% 
Starting from €7,93 /month
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Extra comfort and the highest reimbursements.

Hospitalia Plus is the most comprehensive hospitalisation insurance available through Helan.

From  reimbursements of up to 300% with comprehensive pre-admission and aftercare, to the privacy of a single room and extra household help after your admission. And all without an annual limit.

Already have insurance?

Practical questions and answers about your reimbursements and hospital admission.

What does Hospitalia Plus cover?

The tranquillity of a single room

If you are hospitalised overnight, you can choose the peace and privacy of a single room without worrying about the financial impact.


Pre-admission care and aftercare

Doctor’s consultations, medications, physical therapy... sometimes you need extra care after hospitalisation. You will also be reimbursed for those costs.


Support before, during and after your hospitalisation.

Hospitalia Assist: support at home before, during and after your hospital admission or if you are seriously ill. Receive up to €1000 twice per year for help in your home.


Hospitalisation expenses

With Hospitalia Plus, you are insured for most hospitalisation expenses, with no annual limit.


Serious Illnesses Guarantee Option

Becoming seriously ill? Receive up to €7000 per year extra for medical costs over and above a hospitalisation with the Serious Illnesses Guarantee Option, from just €0.32 per month.


More reimbursements

In addition to hospital accommodation expenses, you will also be reimbursed for other expenses not covered by the statutory health insurance.


How do Hospitalia Medium and Hospitalia (Plus) compare?

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. Every one of our three policies provide cover that is tailored to you and your family. And they offer excellent value for money. Compare to find out which policy suits you best.

Become a customer

Arrange a consultation

Would you prefer to talk to someone? Would you like some assistance buying your insurance products? We're more than happy to help. Schedule an online video chat or an in-person meeting at an office near you.

Make an appointment

Buy your insurance online.

Are you completely won over? Buying insurance doesn’t have to be a hassle. Simply fill in your details to join Helan Health Insurance Fund, Care Fund or to buy additional policies such as Hospitalia and Dentalia Up right away.

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Hospitalia Assist. Free support with your hospitalisation insurance.

Included: €1000 in assistance, twice a year

Hospitalia Assist is not an option or a guarantee, but  assistance. And it is  completely included in your insurance – at no extra cost. You will receive up to €1000 twice a year for household help, childcare or medical transport.

Practical questions and answers

  • Toiletries, cosmetics, food, wines, mineral waters and luxury expenses. 
  • Aesthetic treatments. 
  • Dental implants, dental prostheses and any related treatments. 
  • Rejuvenation treatments. 
  • Expenses associated with experimental treatments and medicines. 
  • Expenses associated with medical treatments intentionally undergone abroad and not authorised by the compulsory insurance medical officer. 
  • Any expenses subject to VAT. 

Please see the summary of treatments that Hospitalia does not cover. Would you like more information? Get free, no-obligation advice.

Exactly how much you pay for hospitalisation insurance depends on the policy package, your age, the number of people in your family and the options you selected with your insurance cover. Helan’s hospitalisation insurance is accessible to everyone, thanks to policy packages that are tailored to your needs. More information about the pricing of the Hospitalia policy packages is available on this page.

Every insurance policy has a waiting period. This is the amount of time that you have to wait before you can get reimbursements. At Helan, the waiting period is limited to just six months. Pregnancy and childbirth are exceptions, for which a waiting period of up to nine months may be applicable.

But emergencies don't always obey laws, of course. Do you need urgent medical care after an accident? In such cases, the waiting period is waived. And if you had a similar policy before you joined, the waiting period will be waived as well.

Yes. You can get cover through one of our insurance policies only if you are already a Helan Health Insurance Fund customer. Becoming a customer is quick and easy, online. Once you apply, you can arrange your insurance cover right away. Also good to know: if you have previously had similar insurance, your waiting period will be waived.

Become a customer

Every hospitalisation insurance application requires completing a medical questionnaire, and this is also the case for Helan's insurance policies. In this questionnaire, we ask questions about your medical history.

For certain medical conditions, a medical report will be requested after you complete the questionnaire. You can obtain this report from your GP or consulting physician, and submit it to the health insurance fund. This will be used to decide whether you will be assigned an insurance restriction for this pre-existing medical condition. We recommend that you always fill in this questionnaire truthfully. If the medical questionnaire contains inaccuracies or is incomplete, reimbursement will be refused.

If you applied for insurance when you transferred to Helan from another health insurance fund, then we may only accept your file, and therefore your policy request, on the first day of each quarter: on 1 January, 1 April, 1 July or 1 October. These periods are determined by law. For example, did you apply to become a customer on 6 February? Then your previous health insurance fund has until 1 April to close your file. From then on, you will be registered with Helan and your insurance cover will also be effective from that date.

Some hospitals in Brussels and Wallonia and also Ghent University Hospital (UZGent) apply very high doctor's surcharges, up to 500%.

  • If you are insured with Hospitalia and stay in a single room in one of these hospitals, we charge a deductible of €150. However, Hospitalia does reimburse the doctor's surcharges up to 100%.
  • If you are insured with Hospitalia Medium and stay in a single room in one of these hospitals, we charge a deductible of €150. However, Hospitalia Medium does reimburse doctor's surcharges up to 200%.
  • If you are insured with Hospitalia Plus and stay in a single room in one of these hospitals, we charge a deductible of €150. However, Hospitalia Plus does reimburse doctor's surcharges up to 300%.
  • We will never charge a deductible in a multi-person room in these hospitals.
  • For an admission in a single room in another hospital, beyond this list, we never charge a deductible.
  • Do you have a planned admission in one of these hospitals? Contact us so we can advise you on how to optimise your reimbursement.

You can download the certificate of membership right away via My Helan.

  • Select the family members who you would like to download a certificate for. Only the family members registered on your hospitalisation insurance can be ticked. 
  • Click the download button and the certificate of membership will be automatically created for the family members you have indicated.

What are the terms and conditions? 

Wondering what exactly Hospitalia Plus insurance entails?

  • View the general conditions and info sheets for each of VMOB MLOZ Insurance's insurance products on our overview page.

Unlike overnight admissions, reimbursements for day admissions are limited to €80 for the room supplement, instead of €125, and 100% of the doctor's surcharge, instead of 300%.  That is why we recommend choosing a multi-occupancy room for single-day admissions. 

You can join Hospitalia Plus up to age 65. Are you 66 or older? Then you are eligible for our Hospitalia hospitalisation insurance policy

Yes. Hospitalia Plus offers protection for your whole family. As a family insurance policy , it is mandatory to include everyone in your family, unless a family member already has similar insurance. 

Become a customer

You can stop your insurance at any time with a cancellation notice period of at least one month. The notice period starts on the first day of the month following the date you discontinued your insurance. You can find the standard cancellation form in My Helan. It  can be sent by registered post to: Boomsesteenweg 5, 2610 Wilrijk.  You can also drop off your letter at your Helan office or upload it via our contact form.

Think carefully before you decide to stop your insurance. Hospitalisation is becoming increasingly expensive, and pre-admission and aftercare costs also run high. With our hospitalisation insurance, you will be able to sleep soundly if you are admitted and avoid financial worries after an (unexpected) hospitalisation. Make an appointment with an adviser if you have any questions about your insurance or premiums.

You need to complete a medical questionnaire when you join Hospitalia Plus. On this basis, the medical advisor may decide to accept your registration with a restriction or exclusion with regard to reimbursements related to the disease. If you are admitted for a reason other than the condition mentioned in the medical questionnaire, you will be reimbursed (in full). 

“I wanted to be well insured against high doctor's fees and to have a single room at the hospital. I'm covered for both with Hospitalia insurance, and at a very affordable price because I joined at a young age.”


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,