KBC Hospital Care
Hospitalisation insurance through your employer
- 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
Thanks to your employer, you benefit from KBC Hospital Care.
It offers much more than just the reimbursement of hospitalisation expenses incurred due to illness, an accident, childbirth or pregnancy complications. You receive a comprehensive care package with help and support provided during and after your hospitalisation, ensuring you have extra peace of mind.
Covered
- Hospitalisation: medical expenses associated with hospitalisation or a day admission, including when staying in a single 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 certain serious illnesses 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
Not covered
- Accidents or illnesses caused by excessive alcohol and drug us
- Contraceptive treatment (excluding sterilisation)
- Hospitalisation following professional sports accidents
- Non-medically necessary prostheses
- Experimental treatments or treatments that are not (yet) scientifically underpinned.
A complete overview of what is and isn’t covered can be found in the General Conditions.
If you are admitted to one of the expensive hospitals in Belgium and you opt for a single room, you personally pay 50% of the insured costs on the admission invoice, unless your employer has chosen to deviate from this arrangement. View the current list of expensive hospitals.
Additional practical services
With our Comfort Services, you can be assured of receiving practical help and support during and after your hospitalisation in Belgium. You can request these services round the clock by calling + 32 16 86 99 98.
These are the services you can request:
Service of up to four hours provided a maximum of 10 times
- Home help or domestic help
- Childminding under 18s
- Dog or cat sitting
- Maternity care
Additional services for additional comfort:
- 1 x childminding for 24 hours in the event of urgent admission
- 3 x transporting patient or visitors to hospital or children to and from school or childminding (up to 250 euros per insurance year)
- 1 x providing essential first purchases (such as food)
- 1 x providing transport to collect essential proprietary medicinal products
You can request these services for a maximum of two day admissions or hospitalisations per insurance year. A total value of up to 1 000 euros applies for all selected services combined for each hospitalisation. You will receive information beforehand concerning the value of the requested service and the remaining amount available.
Anytime, anywhere: digital support with our handy tools
- Free KBC Mobile app: quickly and easily submit and track expenses. You can also rely on your digital assistant Kate to answer your questions 24/7.
- AssurCard: insured employees receive an AssurCard. After reporting your admission, we will let you know immediately whether you can use your AssurCard. When you present your AssurCard upon admission, the hospital will settle the costs directly with KBC. You don't have to pay anything in advance.
- AssurPharma: in the event of an insured admission, you will receive an AssurPharma barcode. Get your pharmacist to scan this barcode and your pharmacy expenses will be sent directly to KBC.
With KBC Mobile, you have the AssurCard and AssurPharma barcode handy at all times.
If you don’t have the KBC Mobile app: download it and start organising your banking and insurance online.
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Free Leadlife Plus membership:
- It’s important to live an optimum lifestyle, but how do you know what’s right for you? After all, you can only expect things to go smoothly if you’re feeling good about yourself, and that’s true for all of us. To support you in this, we’ve partnered with Leadlife, and we’re delighted to offer you free Leadlife Plus membership that gives you one year’s access to the premier app for health & 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.) to help you on your way towards a healthy lifestyle. Find out more about the online consultations.
You’ll quickly find answers to some frequently asked questions in this section. You’ll also find more information on our FAQ page.
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 three months 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, ulcerative colitis, dementia (including Alzheimer’s disease), diphtheria, encephalitis, epilepsy, cancer (including leukaemia and Hodgkin’s disease), malaria, anthrax, cystic fibrosis, multiple sclerosis, kidney dialysis, smallpox, poliomyelitis, progressive muscular dystrophy (including Duchenne’s disease, Steinert’s disease and Becker’s disease), diabetes, tetanus, tuberculosis, typhoid fever (including paratyphoid fever and spotted fever), viral hepatitis, Charcot-Marie-Tooth’s disease, Creutzfeldt-Jacob’s disease, Crohn’s disease, Huntington’s disease, Parkinson’s disease and Pompe’s disease.
Submit your claim as soon as possible. You can use the KBC Mobile app to contact our assistance helpline directly (available 24/7). If you don’t have KBC Mobile, call + 32 16 24 24 24 and choose the ‘assistance’ option.
The staff manning our assistance helpline will then help you and, if necessary, arrange repatriation to Belgium.
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 hospitalisation insurance policy with similar 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 (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 hospitalisation insurance policy with similar 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, have the necessary information at your fingertips at all times (phone numbers, AssurCard), have access to our digital assistant Kate... and much more besides.
If you are the one who pays your family members' premiums, set up a direct debit in KBC Mobile.
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).
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If you are an employer...
Be sure to read all the information you need to know about KBC Hospital Care or contact us to request a quote.
