Hospitalisation insurance for employees

A proper hospitalisation insurance pays for all medical costs related to a hospital admission, including day admissions.

You can also count on it for:

• Reimbursement of medical expenses 1 month before and 3 months after your hospitalisation. Important condition is that the costs are linked to the condition for which you were admitted.  Some policies even reimburse your costs up to 2 months before and 6 months after your admission.
• Treatment costs for a large number of serious illnesses, including cancer, muco, diabetes, kidney dialysis, hepatitis and Parkinson’s disease. These costs are reimbursed in full, all year round and even independently of hospitalisation.
• A third-party payer system that means that you and your employees do not have to advance your own bills, but that the bill is settled directly between the hospital and the insurer.
• Unlimited reimbursement, assistance and often even third party payer abroad. Assistance includes e.g. the costs for your repatriation (if this is medically necessary).

A collective hospitalisation insurance is a highly valued part of a remuneration package. Compared to the premiums of a group pension insurance, the premiums for a collective hospitalisation insurance, although much lower, are not tax deductible.