Ambucare Flexible

​Refunds for outpatient medical care expenses, all year round. Keep your staff well protected with this group plan – anytime and anywhere – even when no hospital stay is required.

Comprehensive protection

Coverage that goes above and beyond traditional hospitalisation insurance, even for treatment outside of a hospital setting.


Up to you to set the deductible, the maximum cap and the reimbursement rate. The choice is yours!

Even better than a bonus or a pay raise

Three times the net take-home value to your staff.

No more pesky paperwork to keep track of

Pharmacy receipts are delivered digitally and automatically forwarded to AG Insurance.

My Global Benefits

A unique web platform that provides plan participants with individually tailored information about Ambucare Flexible as well as other covers.


What makes Ambucare Flexible the right outpatient care plan for your company? 


Did you know that your staff members end up paying roughly 20% of their non-hospital related medical expenses out of pocket, such as prescription medication and appointments with a doctor or specialist? And as the costs keep rising with each passing year, so will the importance and appreciation for outpatient care insurance. In combination with Hospicare Flexible, Ambucare Flexible covers all of your staff’s medical costs, year-round.


An attractive way to sweeten a reward package
Ambucare Flexible differentiates your company in the war for talent. On top of a traditional hospital plan, you have the power to provide your staff with a comprehen​sive solution for other medical expenses as well. It’s also an interesting alternative to a bonus or a pay raise: any funds that you invest in a healthcare plan benefit your staff members directly instead of being swallowed up in taxes.

Flexible by design
Based on your budget and your headcount, it’s up to you to select:
the deductible: EUR 0, EUR 75 or EUR 125
the maximum cap: EUR 500, EUR 1,250 or EUR 2,500
the reimbursement rate: up to 80% (50% per default for paramedical treatment)

Ambucare Flexible is available to companies with a headcount of at least 15.

Quickly to

Ambucare Flexible provides your staff members with year-round coverage for their outpatient care expenses, even when unrelated to a hospital stay.

What exactly is covered?

​​Ambucare Flexible provides your staff members with year-round coverage for their outpatient care expenses, even when unrelated to a hospital stay.

Outpatient care coverage include:

Outpatient medical treatment

  • doctors’ appointments, house calls, technical medical services and minor surgery
  • nurse-administered treatment, kinesitherapy and physiotherapy
  • radiology, medical imaging and laboratory analyis

Pharmaceutical products, orthopedic devices and eyewear

  • licenced medication and bandages sold in pharmacies
  • eyeglass frames (up to EUR 85), eyeglasses, contact lenses and hearing aids
  • bandages and splints
  • orthopedic devices and artificial limbs

Dental care and dental prosthetics

  • dental treatment
  • crowns, bridges and implants
  • orthodontic treatment and devices such as braces

      => This coverage can also be provided separated via Dental Flex.

Additional coverage for paramedical treatment

       Partial coverage (50%) can be claimed for :

  • consultations with a psychologist, nutritionist, podiatrist or speech pathologist
  • consultations with an osteopath, chiropractor, homeopath or acupuncturist
  • homeopathic remedies

Employees and their family members get the benefit of immediate coverage, with no medical formalities or waiting period.

Where and when are your staff members covered?


In Belgium and further afield
Your staff members will be entitled to claim back the cost of medical expenses in Belgium as well as abroad. Practical when travelling for business or for pleasure.

Everyone is eligible
Ambucare Flexible is available to all companies with headcount of at least 15. Employees and their family members will be enrolled:

with no medical formalities, i.e. no additional premiums or exclusions

with no waiting period, i.e. coverage effective immediately upon enrolment

with no exclusions for pre-existing conditions

These tools will save your staff members valuable time and effort.

Unique online tools and services for maximum convenience and efficiency

My Global Benefits
The very first fully customised web-based portal for corporate-sponsored supplementary insurance. It’s the go-to source for your staff to find out everything they need to know about Ambucare Flexible and the other AG Employee Benefits covers you have carefully hand-picked for them.

Find out more about the advantages of My Global Benefits

My Healthcare Card

With the My Healthcare Card, claiming a refund for outpatient care expenses is as easy as child’s play. Receipts for pharmacy purchases will be forwarded to AG Insurance automatically.

Find out more about My Healthcare Card

Health Care website
From now on, refunds for medical expenses can be claimed digitally, all year round. This is where your staff members will find all the information they need about the reimbursement of their out-of-pocket expenditure. 

You can also check the various options for claiming back medical expenses
All of these tools are available free of charge.
Want to find out more?
Send in your questions about Ambucare Flexible or request a non-binding quote via the contact button.  

Do you have a question?

Contact one of our sales managers