A hospitalisation insurance is one of the most valued extralegal benefits for employees. It protects staff against high medical costs when they unexpectedly end up in hospital due to illness, an accident, or childbirth.
For employers, a collective hospitalisation insurance is also a powerful tool to attract and retain talent. It shows that you invest in the well-being and security of your employees. Van Dessel assists companies in setting up a hospitalisation insurance that fits their HR policy, budget, and personnel structure.
A hospitalisation insurance for employees is a group insurance that reimburses medical expenses when an employee is admitted to the hospital. It supplements the intervention of the health insurance fund and covers costs that would otherwise remain fully or partially at the employee's own expense.
Depending on the chosen plan, the insurance can cover the following, among other things:
Employers can offer the insurance to all employees or to specific categories within the company. In many cases, family members can also join.
Covers hospital and accommodation costs that are not fully reimbursed by the health insurance fund.
Covers supplementary fees and room charges during admission, for example in a single room.
Covers medical expenses before and after hospitalization, such as consultations, examinations, and aftercare.
Covers unexpected medical expenses, allowing employees to maintain financial security.
A hospitalisation insurance for employees is suitable for companies that want to offer their staff extra protection.
This insurance can be taken out for:
Many companies use a hospitalization insurance as part of a broader employee benefits package.
The premium of a group hospitalisation insurance is determined by, among other things:
Because every company is different, the premium is always calculated to fit your needs. We analyze your personnel structure and propose a solution that is attractive to employees and financially viable for the company.
a tailor-made partner
We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.
already 80 years in insurance
Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
beyond standard insurance
No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
We analyze your activities, contractual obligations, and risks. You will receive a clear, tailored proposal for your company.
Request a quote without obligation or contact us for personal advice.
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