AG Care Vision Full

How does AG Care Vision Full work?

When your staff members lose their corporate-sponsored hospital plan (e.g. due to retirement), they’ll likely want to apply for individual continuation to keep the same covers. The downside, however, is that they’ll be charged the rate corresponding to their age at the time of continuation, not their age at the time they enrolled in the corporate plan. The older they are, the higher the premium, which can be a hefty sum once they’ve retired. A 65-year-old man, for example, will be charged three times the rate applicable to a 20-year-old.

Fortunately, AG Care Vision Full neutralises the sting of higher premiums by locking in the staff member’s age and covers at the time of enrolment. Once your staff members lose the right to corporate coverage, they’ll be given the option to convert their AG Care Vision Full into an individual plan: AG Care Hospitalisation (link is only available in French or Dutch). The premium will be calculated based on the staff member’s age at the time they signed up for AG Care Vision Full. A great way to save your employees thousands of euros on insurance!

When taking out continuation coverage, your staff members will also have the option to eliminate any applicable deductible in their corporate plan. This way, they’ll have nothing to pay out of pocket.

Eligibility requirements

AG Care Vision Full can still be an option for your staff members even if your corporate-sponsored hospital plan is through another insurer. All employees with hospitalisation coverage – and their family members – are eligible for AG Care Vision Full as long as they are at least 20 years old.

Tip: Coverage will be provided with no medical formalities to complete, if more than 15 staff members sign up for the plan.

Inform your staff members

Under the Verwilghen Act, anyone with a corporate-sponsored hospital plan has the right to continue their coverage on an individual basis. As an employer, you are legally required to inform your staff members about the options available to protect them from the sting of significantly higher premiums when taking out continuation coverage. AG Care Vision Full offers just the right solution, as it provides your staff members with a comprehensive hospital plan to fall back on when they lose their corporate coverage, and without a massive hike in their premium.

Click here to find out more about these disclosure requirements and all the necessary forms and documents (link is only available in French or Dutch).

Want to find out more?

Send in your questions about AG Care Vision Full or request a non-binding quote via the contact button.