A hospitalisation insurance reimburses medical expenses related to a hospital admission, such as accommodation costs, treatments, examinations, and medications.
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Hospitalisation insurance
A hospital admission can happen unexpectedly and often involves significant costs. Think of medical treatments, examinations, medications, or a stay in the hospital. Although the statutory health insurance reimburses part of these costs, there is often still a substantial amount left for you to pay yourself.
With hospitalisation insurance, you are better protected against these medical expenses. The insurance covers expenses related to a hospital stay and helps you manage unexpected medical costs financially. This way, you can fully focus on your recovery.
The advisors at Van Dessel Insurance Brokers are happy to help you choose a hospitalization insurance policy that matches your health situation and expectations.
What is a hospitalisation insurance?
A hospitalisation insurance is a supplementary insurance that reimburses medical expenses when you are admitted to the hospital.
The insurance can cover various costs associated with an admission, such as:
- Hospital stay
- Surgical procedures
- Medical examinations and treatments
- Medications
- Medical follow-up before and after hospitalisation
Many hospitalisation insurances also reimburse pre- and post-hospitalization expenses. These are medical costs incurred within a certain period before and after your hospital admission, such as consultations or examinations.
A hospitalisation insurance is an important addition to statutory health insurance and helps you better cope with unexpected medical expenses.
What are the benefits?
Covers medical expenses related to a hospital admission.
Covers costs before and after hospitalization, such as consultations and examinations.
Covers treatments, medications, and hospital accommodation costs.
Covers medical expenses that are only partially reimbursed by health insurance.
Who is this insurance for?
A hospitalisation insurance is beneficial for anyone who wants to protect themselves against high medical expenses, such as:
- Families with children
- Single people or couples
- People who want security in case of unexpected medical issues
- Individuals who want better control over their healthcare costs
Even if you are currently healthy, a hospitalisation insurance can be important. A hospital admission can happen unexpectedly and involve significant costs.
What is covered and what is not?
What is covered?
- Costs of a hospital stay
- Surgical procedures and medical treatments
- Medicines and medical supplies
- Tests such as scans or laboratory tests
- Consultations before and after admission
What is not covered?
- Cosmetic procedures without medical necessity
- Treatments that are not covered
- Pre-existing conditions (depending on the policy)
- Medical costs not related to hospitalisation
How much does this insurance cost?
The premium of a hospitalisation insurance is determined based on several factors, such as:
- Your age
- Your health condition
- The chosen type of room (for example, single room or shared room)
- The insured benefits and reimbursement limits
- The amount of the deductible (an amount you pay yourself)
Thanks to the various options, the insurance can be tailored to your budget and needs.
Van Dessel helps you find a hospitalisation insurance that offers a good balance between premium and coverage.
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Would you like to receive a quote?
Would you like to know which hospitalisation insurance suits you or your family best?
The advisors at Van Dessel Insurance Brokers will review together with you:
- Your current situation and health
- Your existing insurances
- The possible coverages and insured amounts
This way, you will receive clear and independent advice on the best solution.
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