What is covered by this plan?

The most comprehensive hospital plan on the market!


Lucky you! Your employer provides you with Hospicare hospitalisation insurance. With this plan, you can claim a refund for all medical treatment associated with an inpatient stay. Read on for an overview of the covers.

Note: This is a general overview of the covers featured in Hospicare Flexible. Some of the covers may not apply depending on the options your employer has chosen to include in your corporate plan. An annual deductible may apply.

For a complete description of the covers and conditions, contact your Human Resources department.


Hospicare covers the following expenses associated with a hospital stay (including a one-day clinic admittance):


inpatient room and board in a  single-occupancy room
doctors' fees, diagnostic examinations, treatment and medication
prosthetics, implants and other medical devices (subject to certain conditions)
home births (flat rate compensation)
(emergency) transportation to the hospital or transfers between two hospitals

Pre-admission and post-discharge outpatient care

The cost of outpatient medical care before and after a hospital stay will also be covered as long as the treatment and services are directly related to the reason for hospital admission.


This includes prescription medication, doctors' fees (general practitioner, specialist, etc.), paramedical treatment (physiotherapist, orthopaedist, etc.), nurse-administered treatment and in-home care, prosthetic and orthopaedic devices (eyeglasses, contact lenses, crutches, etc.).

Depending on the terms of your policy, the eligible pre-admission and post-discharge period will be 1+3 months or 2+6 months. For example,1+3: for a hospital stay from 10-15 June, we cover the cost of pre-admission and post-discharge treatment from 9 May to 16 September.

Critical illnesses

Coverage will be provided year-round for critical illness-related medical care, even if no hospital stay is required. In addition, there is no deductible for this cover.

This cover is valid for 30 critical illnesses.

Coverage and assistance while travelling abroad

An illness or an accident abroad can bring all kinds of unpleasant surprises. With Hospicare, you get the same extensive coverage (Hospitalisation, Pre-Admission/Post-Discharge Outpatient Care, Critical Illness) all over the world, whether in Belgium or further afield. In addition, AG Insurance will settle all hospital bills directly with the hospital (third-party payer agreement). We'll even repatriate you back to your home country if necessary, all at our expense.


Want to find out more? Download our handy flyer! 

Optional cover: Medi-Assistance

AG Insurance's third-party payer agreement. To activate this coverage, all you have to do is notify us of your hospital admission, preferably in advance. Once the decision has been made to take on your claim, AG Insurance will settle the final bill directly with the hospital.

You will never have to pay out of your own pocket at any time during your inpatient stay – not even a cash advance – and you'll have the security of knowing immediately that your claim has been approved. Not to mention that Medi-Assistance also entitles you to additional services, such as help with household tasks and post-natal care.

Not sure whether you have Medi-Assistance or not? Just take a quick look at your card. If you see the Medi-Assistance logo, then this additional cover is included in your corporate plan.

To report a hospital admission, please follow these steps.

Optional cover: Delta

Does your Hospicare plan include the extended Delta coverage? If so, you can claim a refund for the following treatments and services:

outpatient care before and after a hospital stay: pre-admission and post-discharge periods doubled from 1 to 2  months before the hospital admission, and from 3 to 6 months after discharge
alternative medicine: the plan reimburses 50% of the cost of osteopathy, chiropractic, homeopathy and acupuncture when administered before or after a hospital stay or to treat a critical illness
fertility treatments (capped at a maximum of EUR 1,000)
palliative care, whether administered at home or in an accredited hospice day centre
Interested in finding out more about Delta? Click here to download our  flyer!