Hospitalisation insurance
- Financial protection with no waiting period
- Free choice of deductible and room type
- Quick and easy claim reporting via KBC Mobile, KBC Touch or by phone
- Hospital paid directly by the insurer
Why take out hospitalisation insurance?
Hospitalisation insurance is not required by law, which begs the question why you should bother taking it out at all. Under your compulsory health insurance (with a health insurance fund), only a portion of your hospitalisation expenses is reimbursed. If you’re not covered by supplementary hospitalisation insurance, you will have to pay the remaining amount yourself, which can certainly mount up.
Certain expenses related to your hospitalisation are only partially – or not at all – covered by your health insurance, such as lab expenses, consultations, blood transfusions and medication. All these expenses can really add up, leading to high hospital bills. This is where hospitalisation insurance can help.
What does hospitalisation insurance entail?
Hospitalisation insurance provides you with extensive cover for medical expenses you incur when you are hospitalised due to illness or an accident, or for childbirth. Your hospitalisation expenses will be reimbursed, along with any costs involved with pre- and follow-up treatment.
In short: everyone should have this insurance, as it offers you life-long cover for unforeseen medical expenses during hospitalisation.
What is and isn’t covered?
Covered
The expenses covered are specified in the policy. This includes:
- Expenses you incur when you are hospitalised, such as consultations, fees and your stay
- Expenses for home birth (fixed amount of 625 euros) and suitable medical transport (up to 1 250 euros)
- Medical expenses connected with the complaint for which you were admitted, for a period of two months before and six months after hospitalisation
- Reimbursement of outpatient medical expenses (other than for hospitalisation) if you suffer from one of the 31 serious illnesses specified in the policy
Not covered
This includes:
- Consequences or complications of an existing illness, or an accident the insured person was involved in prior to joining the policy
- Acts of violence perpetrated by the insured person
- In certain cases, a reimbursement ceiling applies
You can find a complete list of exclusions in the general conditions.
Additional KBC Hospitalisation Insurance information
The insurer covers the expenses not reimbursed by the health insurance company. The expenses covered are listed in the conditions. In some cases, cover is subject to specific conditions or limited.
The special conditions contain a list of expensive hospitals. Would you like to see the most recent list? You can find it here.
This list of expensive hospitals may be updated based on the limitation of reimbursement criterion specified in the general conditions.
If you have single room cover, you pay 50% of the personal share if you opt for a single room in one of these hospitals.
How much does hospitalisation insurance cost at KBC?
The price of the insurance depends on the following factors:
You can opt for a deductible of 0, 100, 200, 300 or 500 euros. This is the portion of the costs for your own account. Your deductible may entitle you to a discount on
the premium.
You will also receive a discount if you opt for a twin or multiple-occupancy room. If you opt for a single room, cover will be set to a fixed daily amount, subject to a maximum of the actual invoice amount.
A family discount of 5% applies for two or more insured persons and of 10% for three or more insured persons.
Your age determines the risk of you having to go to hospital. As a result, there is a variable premium based on the risk you are subject to when you take out the policy. Young people pay lower premiums, which increase as they get older.
The premium is adjusted annually on the main renewal date in line with the consumer price index or the specific medical index
Think about tomorrow today
Precisely because the premiums become more expensive as you get older, you can already start building up a reserve today to finance the higher premiums later on.
Discover the answers to frequently asked questions
Rather keep your hospitalisation insurance affordable as you get older? Spread your premium payments with a KBC Hospitalisation Plan. See what one can do for you today.
Reporting your hospital stay is fast and easy. You can do it in KBC Mobile, KBC Touch or by telephone, up to three months before you’re admitted. In most cases, KBC pays the hospital directly, so there’s no need for you to pay the hospital bill out of your own pocket. You will find everything you need to know about hospitalisation on this page.
What are the differences between accident insurance, hospitalisation insurance and family insurance?
Compare these forms of insurance and find out when they’ll come in handy.
Good to know
- KBC Hospitalisation Insurance is governed by the laws of Belgium.
- Anyone up to the age of 70 can take out the insurance, on condition that their usual place of residence is in Belgium and they are registered under the Belgian social security system. Acceptance is dependent on medical acceptance.
- Term: the insurance provides lifelong cover. The policyholder has an annual right of cancellation.
- Your intermediary is your first point of contact for any complaints you may have. If no agreement can be reached, you can contact KBC Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94. If you cannot find a suitable solution through that channel, you can contact the Insurance Ombudsman – which serves the whole industry – by post at de Meeûssquare 35, 1000 Brussels, by e-mail at info@ombudsman.as, or through its website at www.ombudsman.as.
However, you always retain the right to initiate legal proceedings.
Contact an insurance expert or your insurance agent to request a quote for KBC Hospitalisation Insurance.
KBC Hospitalisation Insurance is a product of KBC Insurance NV Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB
Company authorised for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette, 14 July 1979) by the National Bank of Belgium, De Berlaimontlaan 14, 1000 Brussels, Belgium. Member of the KBC Group
