The hospital plan that goes wherever you go, even on holiday - AG Employee Benefits

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Published on 28/06/2018

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The hospital plan that goes wherever you go, even on holiday

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Sunny skies, suntan lotion, the roar of the waves, the deep blue sea... summertime is here! Over the next two months, most of your staff members will head off in search of some much-needed R&R. The ideal opportunity to remind them that their hospitalisation insurance will help them manage the unpredictability of life. And if they run into trouble, they won’t have to pay a cent out of pocket.

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.


What steps should be taken once admitted to the hospital?

Contact the 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.


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.

Coverage can be claimed for the following expenses:
 all medical expenses (doctors’ fees, room and board, medication), even in a single-occupancy room

If your plan also includes assistance while travelling abroad:
 emergency transportation to the hospital
 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 Insurance 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.


Ever heard of Prolongitudine, an initiative launched by the Belgian Foundation against Cancer?
You can reduce your risk of skin cancer just by following a few guidelines. This is the objective of the newly-launched Prolongitudine campaign. Did you know that getting a painful sunburn while you were young is linked to higher melanoma risk later on in life? A sunburn is a direct attack on your cells and can cause permanent damage to deep skin layers. It’s important to teach children how to protect their skin in the sun so that they can safely enjoy time outside for years to come. Watch this short video and share it with your friends and family.

Want to find out more about the covers that can be claimed when hospitalised in a foreign country? Click HERE.