Hospitalisation insurance allows a company to protect its company director and any employees against costs related to hospitalisation and certain serious illnesses. It may also cover outpatient care and assistance services in Belgium and abroad. Private individuals cannot take out this insurance.
An ING adviser can help you take out this insurance. All applicable costs and taxes are included in the premium, so you know exactly what you will pay. The contract is concluded for one year and is then renewed automatically unless you decide to terminate it in accordance with the policy terms and conditions.
"}},{"componentType":"sectionTitle","title":"Discover the key advantages of our Hospitalisation Insurance"},{"componentType":"paragraph","richBody":{"value":"Hospitalisation insurance offers many benefits for you and your employees:
Hospitalisation insurance helps attract and retain talent.
"},"title":"A valued employee benefit"},{"richBody":{"value":"Premiums benefit from favourable social security and tax treatment in accordance with the applicable regulations.
"},"title":"Favourable tax treatment"},{"richBody":{"value":"A digital portal allows you to view your contracts, manage your members and access your administrative documents.
"},"title":"Simplified management"}],"componentType":"accordion"},{"componentType":"paragraph","richBody":{"value":"Cover for hospitalisation costs, certain serious illnesses, outpatient care and a wide range of assistance services in Belgium and abroad. The assistance benefits cover insured persons during both business and private travel.
"},"title":"Hospitalisation, serious illnesses and assistance"},{"richBody":{"value":"Cover for medical expenses incurred before and after hospitalisation, as well as certain treatments related to serious illnesses.
"},"title":"Outpatient care"},{"richBody":{"value":"At participating healthcare facilities, the third-party payment system allows the insurer to pay the hospital bill directly.
"},"title":"Direct payment of hospitalisation costs"},{"richBody":{"value":"Insured persons can manage their reimbursements, view their cover and track their cases online.
"},"title":"A simple and practical digital tool"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Exclusions and limitations"},{"componentType":"paragraph","richBody":{"value":"There are certain conditions under which the insurance may not pay out. The following exclusions apply for this insurance product:
Mental health conditions that do not present objectively verifiable symptoms.
Treatments related to drug addiction.
Treatments for cosmetic purposes.
Fertility treatments, except medically assisted reproduction when covered by the contract.
Medical and paramedical treatments not recognised by the NIHDI, as well as medicines not recognised by the Minister of Public Health.
The list above is not exhaustive. Please read the Product Information Document (FR) and the Terms and Conditions (FR) before signing up.
"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"accordionList":[{"richBody":{"value":"Group hospitalisation insurance is intended for employees and self-employed company directors.
If you permit it as an employer, this cover can also be extended to:
Your employees’ spouse or partner.
Your employees’ children and the children of their spouse or partner, namely legitimate, recognised or adopted children who are entitled to child benefit.
Individual continuation allows your employees to retain the cover and benefits of their hospitalisation and/or outpatient care insurance taken out with AXA when they are no longer covered by the group insurance, for example when they leave the company or retire.
"},"title":"What is meant by individual continuation?"},{"richBody":{"value":"For the payment of premiums relating to hospitalisation and/or outpatient care insurance, you will receive the following documents:
The premium notice;
A detailed premium statement for each person, together with a summary of the group healthcare insurance premiums.
Yes. When taking out AXA hospitalisation insurance, the employer can choose from three cover options. Each option provides a different reimbursement level depending on whether or not the NIHDI contributes. This flexibility allows the employer to select the option best suited to the needs of the business and its employees.
"},"title":"As an employer, can I choose the reimbursement level when taking out AXA hospitalisation insurance?"},{"richBody":{"value":"As an employer, you can use Dail Healthcare, AXA’s dedicated platform, to view and manage your hospitalisation and/or outpatient care insurance.
This platform allows you to:
View your contract details;
Manage your employees’ affiliations and removals;
Track changes made to your insurance;
Access your administrative and financial documents;
View information about cover and beneficiaries.
This tool centralises the management of your group healthcare insurance and makes it easier to monitor your contract on a day-to-day basis.
"},"title":"As an employer, which platform can I use to view and manage my AXA hospitalisation and/or outpatient care insurance?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"File a claim"},{"componentType":"paragraph","richBody":{"value":"You can easily report an accident through the channel that you find most convenient. Please consult this overview.
"}},{"componentType":"sectionTitle","title":"Complaints"},{"componentType":"paragraph","richBody":{"value":"Not entirely satisfied with the distribution of this product? Our Complaints Department and Ombudsman are here to help you.
Not completely satisfied with your AXA Hospi & Assist+?
Contact AXA online: customer.protection@axa.be
"}}]},"hasMacro":false,"id":"aa71f4bc-9b23-4162-bb5f-97c0489d2701","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal provisions"},{"componentType":"paragraph","richBody":{"value":"Hospi & Assist+ insurance by AXA Belgium is subject to Belgian law. It is a non-life insurance offered to you subject to acceptance by:
Insurance intermediary: ING Belgium NV, insurance broker, registered with the Belgian Financial Services and Markets Authority (FSMA) under code 0403200393. Company headquarters: Marnixlaan 24, B-1000 Brussels - Brussels Register of Commerce – VAT no. BE 0403.200.393 - www.ing.be - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.
Insurer: AXA Belgium, public limited insurance company authorised under no. 0039 to practise in the life and non-life branches (KB04-07-1979, BS 14-07-1979) by the National Bank of Belgium, located at Berlaimontlaan 14, B-1000 Brussels - Headquarters: Troonplein 1 - B-1000 Brussels (Belgium) - website: www.axa.be - Tel.: 02 678 61 11 - Fax: 02 678 93 40 - VAT no. BE 0404.483.367 - Brussels Register of Commerce no. 7.06.5833 - 0616.
Insurance policies and conflicts of interest: you can find general information about insurance policies and a description of the conflict of interest policy, including the benefits:
For ING Belgium NV, as insurance intermediary: Go to www.ing.be and then follow ‘Rates and Regulations’ > ‘ Information and Regulations’ > ‘Insurance policies’.
For AXA Belgium, as insurance company: go to www.axa.be.