Privacy regulations limit the duration of the validity of your consent. We invite you to renew your consent for the use of cookies on our websites.

We use cookies to optimise user experience, offer personalised information, and allow information sharing on social media. The consent you are giving by clicking on 'I agree' is valid for all AG Insurance websites. Also consult our Cookie Policy and our Privacy Notice.


Hospicare Flexible

The corporate-sponsored hospital plan that allows you to hand-pick your covers to suit staff member needs and your budget.

The choices is yours

It’s up to you to select the covers and deductibles at a premium that works for your company.

An attractive way to sweeten a reward package

The net take-home value to your staff members is higher than a bonus or pay raise.

No pesky paperwork

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

Anytime, anywhere coverage

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

My Global Benefits

A unique web platform that provides your staff members with individually tailored information about their hospital plan.


What makes Hospicare Flexible the right hospital plan for your company?

The beauty of Hospicare Flexible is in its flexible design. It’s up to you to decide what’s covered, based on your budget and staff member needs. And even the base version comes with extensive coverage.

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 highly prized fringe benefits. 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 bonus. Not to mention that the premiums you pay are exempt from social security contributions.

Hospicare Flexible is available to companies with at least 15 staff members.

See also


What exactly is covered?

Four extensive covers provide your staff members with peace of mind, the security of knowing that they’ll be protected from the potential financial burden of a hospital stay, whether in Belgium or further afield. With supplementary covers, you design a solution that meets your company’s specific needs, and with your choice of deductible, you keep your budget under control.


Standard covers

As an inpatient or a day-case

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:

    • with legal reimbursement: 100%
    • without legal reimbursement: 100% up to EUR 5,000 per insured per year

home births (flat rate compensation of EUR 620)


emergency transportation to the hospital or transfers between two hospitals

Pre-admission and post-discharge outpatient care

Through your corporate plan, the cost of medical care directly related to the reason for hospital admission will be covered for 1 month prior to admission and 3 months after discharge.
This includes:


doctors’ fees (general practitioner, specialist, etc.)

paramedical treatment (physiotherapist, orthopaedist, etc.)

nurse-administered treatment and in-home care

prosthetics and orthopaedic devices

Your staff members no longer need to keep track of pharmacy receipts or send them in to claim a refund. Instead, all they have to do is hand their My Healthcare Card to the pharmacist for scanning. The itemised receipts will be forwarded to AG Insurance electronically, and your staff will get their money back even faster than ever.

Critical illnesses

Your staff members will be entitled to year-round coverage for critical illness-related medical care, valid for 30 critical illnesses including cancer and diabetes. Even if no hospital stay is required.

Assistance while travelling abroad

With Hospicare Flexible, 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. In addition, all hospital bills will be settled with the hospital directly (third-party payer agreement), with no advance payment required.  


Flexibility by design

Looking to provide even more features and benefits? 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:

The deductible

You determine whether your staff members pay nothing at all or a small share towards their inpatient costs. Or you select a variable deductible: in this case, your staff will only have to pay a small percentage out of pocket if they opt for a stay in a single-occupancy room. And you get charged a lower premium.

The refunds for pre-admission and post-discharge care

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.

Medi-Assistance third-party payer agreement

The concept is simple: your staff members report the hospital admission, ideally in advance, and AG Insurance settles the hospital bill with the hospital directly. Your staff members will never have to pay out of their own pocket at any time during their inpatient stay – not even a cash advance – and they’ll have the security of knowing immediately that their claim has been approved.

Not to mention that Medi-Assistance also entitles them to additional services prior to admission and after discharge. No small detail these days, as more and more patients convalesce in their own homes. These services include:

- during a hospital stay :



transportation to/from the hospital

- after a hospital stay :



post-natal care

errand services

transportation to/from the hospital

- psychological counselling year-round, even if unrelated to a hospital stay

"Luxury" hospitalisation insurance

If your plan includes Delta coverage, you’ll be providing your staff with extra protection for even greater peace of mind, making your hospital plan – and your company – an even more compelling proposition. Delta covers every possible need your staff members could have, including extended coverage before and after a hospital stay, palliative care, fertility treatments, etc.  


Protect your staff members all year round

On top of a comprehensive hospital plan, outpatient care coverage is a handy way to provide an extra layer of protection. With this coverage, your staff members will be able to claim back their medical expenses year-round, even outside the confines of an inpatient stay. This includes, for example, doctors’ appointments, dental care, physiotherapy, medical imaging, etc.


Find out more about what Ambucare Flexible can do for your company.


When and where are your staff members covered?


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

…and anywhere

Hospicare Flexible goes beyond the confines of Belgium. Your staff members will be entitled to unlimited, worldwide coverage for medical expenses incurred in a foreign country.

What kinds of "international" costs can be claimed back?

local medical assistance

financial contributions towards a hospital stay (directly paid to the hospital)

search and rescue efforts (up to EUR 5,000 per claim)

administrative costs

repatriation of the insured and other insured family members

dispatching medication, prosthetics and eyeglasses abroad in the event of a medical incident

visit to the insured during a hospital stay in a foreign country


Unique online tools and services for maximum convenience and efficiency

One out of every two employees* is fuzzy on the details of what’s included in their hospital plan. But that is past history thanks to these handy tools and services.

My Global Benefits

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

Find out more about the advantage​s of My Global Benefits

My Healthcare Card

With the My Healthcare Card, claiming a refund for prescription medication before or after a hospital stay or to treat a critical illness is as easy as child’s play. Receipts for pharmacy purchases are automatically forwarded to AG Insurance for refund.

Find out more about the My Healthcare Card

Health Care website

A hospital stay often means a hefty bill for services rendered. Sometimes it’s hard to know exactly what’s covered or how to claim a refund. This is where your staff members will find all the information they need about getting their money back for an inpatient stay and other out-of-pocket expenditure.

Browse through the Health Care website

All of these tools are available free of charge.

Want to find out more?
Send in your questions about Hospicare Flexible or request a non-binding quote via the contact button.

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

Do you have a question?

Contact one of our sales managers