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Everyone is entitled to affordable health care. That includes you, too. Hospitalia is a affordable hospitalisation insurance that offers you excellent protection.
You can rely on reimbursements up to a limit of €25,000 per year – before, during and after hospitalisation. Plus, you can purchase it at any age, even if you are 65 years of age, or older.
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.
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.
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.
Hospitalia is a basic insurance policy, but you are still covered for an extended pre-admission and aftercare period at no extra cost. If you have medical expenses before and after admission, such as consultations with a physiotherapist or specialist, they are all reimbursed up to 30 days before and 90 days after your admission .
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.
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%.
You can download the certificate of membership right away via My Helan.
Wondering what exactly Hospitalia insurance entails?
Yes. Hospitalia 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.
Every insurance policy has a waiting period. This refers to the period of time spanning from the date that you join to when you can effectively start receiving reimbursements. For Hospitalia the waiting period is limited to six months. So, should you become hospitalised, you will be financially protected from the sixth month after you join, onwards.
You can discontinue your insurance at any time with a cancellation notice period of at least one month. The 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 to hospital and can avoid financial worries after an (unexpected) hospitalisation. Make an appointment with an adviser if you have any questions about your insurance policy or premiums.
You will need to complete a medical questionnaire when you join Hospitalia. 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 fell while on a bike ride with a friend. My day ended in the hospital, with a broken collarbone. Since then I have recovered well, although it is still sometimes painful to sleep on my shoulder. But there too, I know that if I need aftercare, Hospitalia will step up to help.”
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, www.helan.be.