KBC Hospital Care
- Reimbursement of hospitalisation expenses and practical help and support services
- Preventive healthcare with Leadlife, the health & well-being app for you and your employees
- Support through our digital tools
Why take out group hospitalisation insurance?
By taking out KBC Hospital Care, you offer your employees extensive cover that goes beyond the reimbursement of hospitalisation expenses incurred due to illness, an accident, childbirth or pregnancy complications – this comprehensive healthcare solution also offers them help and support during and after hospitalisation, giving them peace of mind and making them feel truly valued. For you as employer, it allows you to offer a supplementary benefit without having to pay social security contributions. We do note that the premiums are not tax-deductible, but on the plus side, you will be investing in well-being, engagement and a positive image as an employer.
Insurance for your employees and yourself
KBC Hospital Care can be taken out both for your employees and for yourself. The contract is valid for a term of one year and will be tacitly renewed for successive periods of one year unless you cancel it. Your employees may also include their cohabiting partner and any unmarried children under 25 living with them in the insurance.
From admission to recovery: receive reimbursement of hospitalisation expenses and practical help and support
KBC Hospital Care covers more than just the medical expenses associated with hospitalisation – you can also count on cover in the event of a serious illness without admission to hospital and worldwide protection including extensive assistance. And, on top of all that, with our Comfort Services, you enjoy assistance both during and up to six months after your stay in hospital. This includes practical assistance like childcare, domestic help and various other forms of support intended to make your life easier when you need it most.
Covered
- Hospitalisation: medical expenses associated with hospitalisation or a one-day stay in hospital, including when staying in a private room
- Births at home or in hospital, non-hospital cataract surgery
• Pre- and post-hospitalisation: medical expenses associated with hospitalisation during an extensive period of two months prior to and six months after the hospitalisation, such as consultations, medicines, physiotherapist, alternative therapies, etc. - Serious illnesses: medical expenses incurred in Belgium as the result of a serious illness are covered, even if you are not admitted to hospital
- Protection in the event of unforeseen medical expenses incurred abroad
- Urgent assistance abroad: we will help you receive the necessary care and arrange your repatriation back to Belgium
Additional practical services
- Comfort Services: practical help and support during and after your hospitalisation in Belgium. Domestic help, childminding, maternity care, provision of essential first purchases, patient transport, etc.
Not covered
- Accidents or illnesses caused by excessive alcohol and drug use
- Contraceptive treatment (excluding sterilisation)
- Hospitalisation following professional sports accidents
- Non-medically necessary prostheses
- Experimental treatment
A complete overview of what is and isn’t covered can be found in the General Conditions.
If an employee is admitted to one of the expensive hospitals in Belgium and they personally opt for a private room, they will be liable to pay 50% of the invoice. You can have this limitation waived for your employees by paying an additional premium. The list of expensive hospitals may be updated based on the limitation ofreimbursement criterion specified in the General Conditions.
Focus on preventive healthcare with the handy Leadlife health & well-being app
- Free Leadlife Plus membership for you and your employees:
Improve your employees’ health and motivation with the Leadlife health & well-being app – the perfect app for tracking your lifestyle and learning how small changes can help you optimise your physical and mental energy and well-being.
Easily schedule appointments online with lifestyle experts, doctors, psychologists, and so on from the comfort of your home.
- Free initial online consultation with a Leadlife lifestyle expert of your choice (on nutrition, stress, exercise, menopause, etc.): an excellent way to motivate your employees to take the first step towards a healthy lifestyle. Find out more about the online consultations.
Anytime, anywhere: digital support with our handy tools
For you as employer:
- Quick and easy management in the KBC Business Dashboard
- Individual collection: cut down on unnecessary payroll processing; when family members are signed up to the policy, KBC will settle the premium payment directly with the insured concerned
For your employees:
- The KBC website, containing extensive information and practical tools you can confidently refer your employees to.
- Free KBC Mobile app that allows them to quickly and easily file and track expenses. Plus, our digital assistant Kate is on hand 24/7 to help them with any questions they may have.
- AssurCard: every insured receives an AssurCard. When an employee shows the hospital their AssurCard, the hospital bill will be settled directly with KBC so they won’t need to advance the costs themself.
- AssurPharma: every insured receives an AssurPharma barcode when they are admitted to hospital. When the pharmacist scans this barcode, all relevant information is automatically forwarded to KBC, eliminating paperwork for your employee and enabling us to reimburse their pharmacy expenses more quickly.
With KBC Mobile, your employee has the AssurCard and AssurPharma barcode handy at all times.
More information
Read this information document carefully before taking out this insurance
You will find other important documents below
Things you also need to know
- KBC Hospital Care is a form of work-related group health insurance policy (hospitalisation insurance).
- This product is governed by the laws of Belgium.
- The insurance cover is valid for a term of one year and will be tacitly renewed on the renewal date for successive periods of the same duration unless it is cancelled at least two months (when cancelled by the policyholder) or three months (when cancelled by the insurer) before the main renewal date.
- Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. + 32 16 43 25 94. If you cannot find a suitable solution, you can contact the Belgian insurance industry’s ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be.
- This does not affect your legal rights.
Contact your KBC insurance intermediary for a quote and to calculate your premium for KBC Hospital Care.
KBC Hospital Care is a product provided by KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium. VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB. Company licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979, Belgian Official Gazette of 14 July 1979).
Member of the KBC group
Contact us
If you have any questions about KBC Hospital Care, feel free to get in touch with your KBC expert.