Hospitalisation insurance represents the most significant fringe benefit a Belgian employer may offer to the latter's employees. Moreover, sums paid into the hospitalisation insurance scheme are not regarded as a benefit in kind. This kind of insurance is also extremely valuable for self-employed entrepreneurs.
Significant level of cover
There are huge differences in terms of the scope of the hospitalisation insurance cover on offer from the various companies. They all help cover the costs in the following cases:
- reimbursement of costs not chargeable to the health insurance fund
- reimbursement of costs during a period prior to or after admittance
- reimbursement of costs prior to registration with the health insurance fund
- reimbursement of costs for outpatient care in the event of serious illnesses
Third party payer system
Most policies use a highly advantageous third party payer system so that your insured employees do not have to pay the costs themselves in advance: the insurance pays these costs directly to the hospital.
