First-class protection at any age.

  • Get cover at any age, even after age 65
  • Affordable, high-quality insurance
  • 30-day pre- and 90-day aftercare
  • Also insured in the event of serious illness
  • Insured up to €25,000 per year
Starting from €4,43 /month
Get cover now

Affordable insurance. Even after your 65th birthday.

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.

Already have insurance?

Practical questions and answers about your and hospital admission.

What does Hospitalia cover?

Accommodation in a multiple occupancy room

If you are hospitalised overnight, your stay in a room with several people will be almost completely reimbursed.


Pre-admission care and aftercare

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


Hospitalisation expenses

With Hospitalia, you are insured for most hospitalisation expenses, to a limit of €25,000 per year.


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 the accommodation expenses of an admission, you will also receive reimbursements for other expenses not covered by the statutory health insurance.


What is the difference between Hospitalia, Hospitalia Medium en Hospitalia Plus?

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

Purchase insurance online.

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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Extensive pre-admission and aftercare

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 .

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 insurance entails?

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

Most hospitalisation insurance policies have an age limit of 64 years. Hospitalia does not have an age limit, so it is available to everyone. That means you can join at any age, even after 64.

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,