KBC Group Hospitalisation Insurance

Notify KBC before being admitted to hospital. This can be done in the KBC Mobile app up to three months before the admission date. You’ll immediately see whether or not your hospital admission is covered.
When registering at the hospital, you simply need to provide your AssurCard number, which can be found in KBC Mobile or by asking Kate. We will then settle things directly with the hospital, so you don’t need to pay anything yourself in advance.

Inform KBC as soon as possible. If you’re unable to do this yourself, a family member or acquaintance can also do it for you. KBC will then open your hospitalisation file so that, whenever possible, the admission invoice can be sent directly to KBC.

Whether you give birth in hospital or at home, notify KBC as soon as possible via KBC Mobile.
The costs associated with a hospital delivery will be reimbursed. A lump sum is paid for a home birth.
Keep in mind that your baby is not automatically included in the hospitalisation insurance. You have to apply for this yourself through your employer within 60 days of the birth, so that your baby is insured without the need for any medical formalities to be completed.

KBC maintains a list of serious illnesses. If your illness is on this list, we will cover all your medical expenses associated with your illness, even if you are not hospitalised.
The following illnesses are eligible: AIDS, amyotrophic lateral sclerosis, brucellosis, cerebrospinal meningitis, cholera, dementia, diphtheria, encephalitis, cancer, leukaemia, malaria, anthrax, cystic fibrosis, multiple sclerosis, kidney dialysis, paratyphoid fever, smallpox, poliomyelitis, progressive muscular dystrophies, scarlet fever, diabetes, tetanus, tuberculosis, typhoid fever, viral hepatitis, spotted fever, Creutzfeldt-Jacob’s disease, Crohn’s disease, Hodgkin’s disease, Parkinson’s disease and Pompe’s disease.

The group hospitalisation insurance is terminated once you leave your employer. You and those in your family who are also insured under the policy will then be entitled to convert the group hospitalisation insurance policy to an individual insurance policy with similar hospitalisation cover. If you meet the legal requirements, you don’t need to fill in a medical questionnaire.Keep in mind that the premium may be higher, depending on your age. To help you pay this, you can start putting money aside beforehand in the KBC Hospitalisation Plan.

If you get married or start living together, you can add your partner and any ‘blended’ children to your group policy. Provide this information through your employer.
A newborn baby is not automatically included in the cover. Here again, you should arrange this through your employer.
If you are no longer living with your partner, or if one of the children no longer meets the conditions for inclusion in the cover (unmarried, aged under 25 and residing at the same address), they will no longer be covered by your policy. Notify us of this through your employer.
They are entitled to convert the group hospitalisation insurance policy to an individual insurance policy with similar hospitalisation cover. You can contact a KBC Insurance agent or a KBC Bank branch to arrange this.

Your employer will sign you up to the group policy.
Be sure to sign up your family members within 60 days.
You will receive an AssurCard within six weeks of joining. Be sure to install KBC Mobile so you can submit your claims digitally, submit your medical expenses, have access to our digital assistant Kate... and much more besides.