Hospitalisation insurance coverage abroad - AG Employee Benefits

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With hospitalisation insurance, couple also protected while travelling abroad

Published on 25/06/2020

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Your hospitalisation insurance abroad

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Now that things are slowly going back to normal, more and more staff members are dreaming of getting some much-needed rest and relaxation on a summer holiday in a foreign country. The number of business trips is also steadily rising. As an employer, you have 100% confidence that your employees are fully protected either way. Whether it’s for business or pleasure, your AG hospital plan goes wherever they go, foreign countries included.​

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When faced with a hospital stay in a foreign country, the language barrier and cultural differences can add layers of complexity to an already challenging situation. All the more reason for your staff (and any family members) to be aware from the get-go that they’re well protected.

UPDATE​: What happens to coverage abroad in the various zones (green, orange, red)?

If your staff member needs to make an essential trip to a country classified as "red", coverage will be provided for illness, accident and repatriation. Non-essential travel to red zone countries, however, has been banned by the Belgian authorities.

If your staff member is travelling to a country classified as "green" or "orange", s/he will be entitled to coverage for illness, accident and repatriation. Coverage will continue to be provided even if the country's status changes to "red" during his/her stay. It goes without saying that in red zone countries but also elsewhere, s/he must comply in full with the instructions of the local and Belgian authorities at all times.

Hospital plan with worldwide coverage

An AG hospital plan​ provides worldwide coverage for unplanned emergency hospital admissions and even – subject to prior approval from the Sickness Fund – for scheduled inpatient stays as well.

all medical expenses (doctors’ fees, room and board, medication), even in a single-occupancy room


If you also opted for assistance abroad:

  • emergency transportation to the hospital
  • urgent medical assistance
  • repatriation to Belgium, if necessary
  • search and rescue efforts (for example, after an accident or a natural disaster, capped at a maximum of EUR 5,000)
  • room and board for a family member to come visit the patient during his/her inpatient stay in a foreign country
  • etc.​


Third-party payer system: no need to pay a cent out of pocket

Most of the insured parties are entitled to third-party payer arrangements, even while travelling abroad.

In other words, your staff members will never have to pay a cent out of pocket at any time during their stay in a foreign hospital. All bills will immediately be sent to AG and settled with the hospital directly.

In addition, an AG hospital plan also covers the cost of medical treatment in Belgium directly related to the inpatient stay abroad for up to three months post-discharge.

What steps should be taken once admitted to the hospital? 

All hospital admissions in a foreign country must be reported to AG and the Sickness Fund as soon as possible. This can be done by the patients themselves, but also by one of their family members or by their employer.

Contact Touring, the AG assistance services provider as soon as practicable
​         Call +32 (0)2 664 01 70 (24/7 hotline)
Notify the Sickness Fund

From this point on, the AG hospital plan will take care of everything, from handling the administrative details to issuing a refund for expenses incurred. Your staff members will find all the information they need on ag.be/hospi.

Your staff members should also keep in mind that when travelling to certain countries (Cuba and the Russian Federation, for example), it’s best to contact us in advance to request a Certificate of Insurance. More information about this document is available on our Hospitalisation website. 


Want to find out more about the applicable covers if admitted to a hospital in a foreign country? Download the flyer.


Does the hospitalisation insurance cover medical expenses related to epidemics or pandemics such as coronavirus (COVID-19)?​

All AG hospitalisation insurance plans​ reimburse these medical expenses. This includes treatments in Belgium or abroad, but only in the event of a hospitalisation. The treatment must be curative and be eligible for statutory compensation payable by the Belgian Social Security system. 

AG also covers the costs of evacuation or repatriation, provided that the repatriation is for medical reasons and that your hospital plan includes Assistance while travelling abroad. 

If you have taken out outpatient care insurance​ for your employees, then all medical expenses outside the hospital are also covered, if they fulfil the above conditions.​

Be sure to also check our FAQs on coronavirus and your retirement/death benefit, hospitalisation and income protection covers.​


Have questions about coverage abroad? Want to top up your current hospital plan by adding Assistance abroad? Contact us via the green button.


​​​More info on coverage abroad​