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09 September 2018 4 min.

Supplementary medical insurance increasingly a necessity

Due to developments in the healthcare sector, such as more outpatient treatments and an increase in

dental and optical care, a traditional hospitalization insurance policy is no longer sufficient to adequately cover medical expenses. The solution to protect your employees’ physical and financial health? An upgrade of their plan with one or more additional medical insurance policies.
 
Paul Vinck
Paul Vinck

Manager Life

aanvullende medische verzekeringen

Many companies expand their employees’ compensation packages with a

="canonical" data-entity-type="node" data-entity-uuid="78e6aca6-f837-4c7a-ace4-1b6f8ab6ec98" href="/node/240">hospitalization insurance. A great fringe benefit, knowing that each year 1 in 7 Belgians end up in the hospital and the patient has to pay, on average, 20 to 25% of the bill out of pocket.

The medical world is evolving rapidly

However, healthcare is constantly advancing. Thanks to new techniques and medications, more and more

conditions can be treated through outpatient care. Often, hospitalization is no longer necessary. But even treatments without hospital admission come at a cost. These outpatient expenses are not covered by standard hospitalization insurance.

Dental Insurance

Nowadays, a wider audience is also seeking dental care. Orthodontics and dental prostheses, however

, cost a great deal of money. Many people are forced to postpone their treatment because dental expenses are hardly, or not at all, reimbursed by their health or hospitalization insurance. The same issue arises with optical care.

A range of supplementary medical insurances as the answer

Where additional insurances for these kinds of costs were often considered redundant in the past,

it is now clear that there is a genuine need. Insurers are responding to this with a varied offering of supplementary medical insurances:
  • -4e13-abed-a85fa57df295" href="/node/243">Outpatient expense insurance: reimburses a high percentage of outpatient medical expenses, consultations for alternative medicine, paramedical services, and medical aids
  • -46b6-aeb7-05e1dc1573e1" href="/node/241">Dental insurance: offers substantial reimbursement for dental care, orthodontic treatments, dental prostheses, bridges, crowns, and implants
  • -4022-9b1a-d2c7e9af611f" href="/node/242">Optical care insurance: provides substantial coverage for optical treatments and aids

    Insurance companies also offer plans that combine these coverages.

    Why a supplementary medical insurance package for your company?

  • Your insurance plan offers your employees comprehensive coverage suited to modern
  • healthcare. The added value compared to traditional hospitalization insurance is substantial: an undeniable advantage in the war for talent!
  • The premiums for supplementary medical insurance at the group level are
  • >very accessible, also for self-employed entrepreneurs with a company.
  • We collaborate with partners who, thanks to their many years of experience and great expertise,
  • offer very high-quality insurance products.
  • Most insurance formulas require no medical formalities, which means pre-existing
  • conditions are also covered.

    More info?

    If you would like to discuss expanding the insurance plan for your employees, feel free to contact

    your account manager or email us at mailto:leven@vandessel.be