Healthcare

Hospicare Flexible hospitalisation insurance

The AG group hospital plan that allows you to hand-pick your covers to suit your staff members’ needs and your budget.

Custom-designed solution

Up to you to select the covers and deductibles at a premium that works for your company.

Comprehensive protection, even outside of Belgium

Assistance and protection for your staff members and their family, in Belgium and beyond.

Automated refunds

Pharmacy receipts are immediately forwarded digitally for reimbursement, and Medi-Assistance will settle the hospital bill with the hospital directly

All benefits consolidated in one handy app

With MyAG Employee Benefits, your employees can access their benefits anytime and from anywhere they want, via their computer or their app. Plus, they also benefit from services to improve their mental resilience and physical wellbeing (only via the app).

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Why choose an AG group hospital plan?

With Hospicare Flexible, you'll be giving your employees a next-generation healthcare plan with innovative services and conveniences. It’s up to you to decide what’s covered, based on your budget and staff members' needs. And even the base version comes with extensive coverage. On top of comprehensive covers, your staff members can use the MyAG Employee Benefits app to take advantage of special healthcare services: My Mind by AG, for their mental wellbeing, My Care by AG, their digital doctor, and My Benefits, exclusive offers from AG's healthcare partners.

In today’s competitive labour market, hospitalisation insurance can be just the differentiating factor you need to bring in new recruits and keep them happy for the long-haul. A hospital plan is one of the most coveted fringe benefits on the market. It's also a clever way to sweeten a reward package, as any funds that you invest in a hospital plan deliver a higher net take-home value to your staff than a pay raise or a cash bonus. Not to mention that the premiums you pay are exempt from social security contributions.

Quickly to

A man enjoying full coverage of his group hospital insurance

Comprehensive base coverage and interesting supplementary covers designed to suit your company’s specific needs.

What does your hospital plan cover?

Four comprehensive base covers will provide your staff members with peace of mind if ever they are hospitalised in Belgium or further afield.

With supplementary covers, you can design a bespoke plan that meets your company's specific needs. And with your choice of deductible, you can keep your budget under control.

Fun fact: no medical questionnaire will be required. Once your staff members enrol in the plan, their coverage will be effective immediately, with no waiting period to serve.

Base covers

As an inpatient or a day-case admission

Hospicare covers the following expenses:

inpatient room and board in a single-occupancy room

doctors’ fees, diagnostic examinations, treatment and medication

prosthetics and orthopaedic devices:

if eligible for statutory Illness-Disability compensation: 100%
if ineligible for statutory Illness-Disability compensation: 100% up to EUR 5,000 per insured per year

home births: flat-rate compensation of EUR 620

rooming-in (room and board for one of the parents throughout their insured child’s hospital stay)

(emergency) transportation to the hospital or transfers between two hospitals

fertility treatments with legal intervention

Pre-admission and post-discharge outpatient care

Medical care 1 month prior to admission and 3 months post-discharge will be covered if directly related to reason for hospital admission

This includes, for example, medication and doctors' fees (general practitioner, specialist, etc.).

TIP: Report your hospital admission quickly and easily via the MyAG Employee Benefits app. For your pharmacy expenses, hand your digital My Healthcare Card in your app to the pharmacist for scanning. Your itemised receipts will be forwarded to AG automatically.

Critical illnesses

Your staff members will be entitled to year-round coverage for medical care to treat 30 critical illnesses. Even if no hospital stay is required.

Assistance while travelling abroad

Your staff members get the same extensive coverage all over the world, whether in Belgium or further afield.

They’re also entitled to additional assistance services including repatriation if necessary.

AG healthcare services that contribute to better mental and physical health

Easy access to services that maintain good mental and physical health and emergency assistance to restore good mental and physical health.

My Mind by AG, for the mental wellbeing of your employees

My Care by AG, the digital doctor for your staff members in the form of telehealth services

My advantages with AG's healthcare partners. Your employees can take advantage of exclusive offers from our partners.

Boost your appeal with your employees with My Mind Premium by AG and My Care Premium by AG

Additional options

Looking to provide even more features and benefits? Boost your appeal with your staff members: try our additional protection and services, all based on your budget and staff member needs. It’s up to you to decide what you offer on top of the basics:

Medi-Assistance

Third-party payer agreement

The concept is simple: your staff members report the hospital admission, ideally in advance, and settles the hospital bill with the hospital directly.

Comfort services

Medi-Assistance also entitles them to additional services prior to admission and after discharge.

My Mind Premium by AG

You have access to My Mind by AG as well as the services below.

Needs-based self-learning programmes on mental wellbeing(The ABCs of Resilience, 50 Shades of Stress)

Access to EASY Employee Assistance & Support for You - an advanced Employee Assistance Programme (EAP)

- 24/7 access to a psychologist

- for counselling or advice

- broad approach including assistance for managers, legal-financial consultations, practical support, health coaching, etc.

- up to 5 follow-up sessions

My Care Premium by AG

You have access to My Care by AG as well as the services below.

Symptom Checker: an innovative tool based on artificial intelligence (AI) and over 10 years of medical experience

Medical follow-up: 2 digital doctor consultations per insured and per insurance year included via the Doktr app

Delta

If your plan includes Delta, you'll be making your hospital plan – and your company – an even more compelling proposition.

This is the most comprehensive version of Hospicare Flexible and comes with double the pre-admission/post-discharge coverage periods plus additional refunds.

Doubling of pre-admission and post-discharge care coverage periods. You can opt to double the outpatient coverage period from one to two months before the hospital admission, and from three to six months after discharge.

Deductible

It's up to you to decide whether your staff members pay nothing at all or a small share towards their inpatient costs.

Want to find out more?

Review the full details of all the standard and supplementary covers in the product information sheet.

Questions about Hospicare Flexible? Need more information? Contact us via the button below.

A range of additional services for optimal protection of your staff members

Top up your hospital plan

AG's outpatient care and dental care covers

With these covers, your staff members will be able to claim back the cost of their medical treatment, even outside the confines of an inpatient stay.

Intrigued? Find out more about what the outpatient care and dental care plans have to offer.

Continuation coverage

When your staff members leave the company or retire, they lose the right to their corporate-sponsored hospital plan.
To neutralise the sting of higher premiums for individual hospitalisation insurance, your staff members can take out a supplementary policy that will lock in their age.

Be sure to let your staff members know about the option to take out individual continuation coverage and introduce them to the benefits of AG Care Vision.

A couple with their child protected by their hospitalisation insurance

All benefits in one handy app

MyAG Employee Benefits

It's a secure, user-friendly app and platform for plan participants to find out everything they want to know about their corporate-sponsored group insurance. On the app, your employees can access their covers, anytime and anywhere. All of the MyAG Employee Benefits features are also available via your computer, but the services are only accessible via the MyAG Employee Benefits app.

1. Handy features wherever and wheneveryour employeeswant them

Check your covers

Report a hospital stay and claim back medical expenses in a flash

Have your My Healthcare Card* scanned at the pharmacy.

*Your My Healthcare Card will be available in digital form on MyAG Employee Benefits under the "My Cards" heading. There is no need for you to have a physical My Healthcare Card anymore as you can do everything with your digital card.

2. Services to help your staff members take care of their health (only on the app)

With the MyAG Employee Benefits app, you'll be entitled to many additional services to boost your mental resilience and physical wellbeing.

A comprehensive healthcare offer

Easy access to a wide range of front-line care and support to help you stay mentally and physically healthy. My Mind by AG, My Care by AG, My Benefits via AG's healthcare partners.

AG's premium healthcare services

Opt for the premium version and become an even more attractive employer for your staff members with My Mind Premium by AG and My Care Premium by AG.

Discover all the advantages of MyAG Employee Benefits

Access to this tool is included in your plan at no extra charge.

Want to find out more?

Send in your questions about Hospicare Flexible or request a non-binding quote via the contact button at the top of this page.

*source: survey conducted by Vlerick Business School & AG Insurance – 2016

Do you have a question?

Contact one of our sales managers