Fortunately for her, Elise's healthcare expenses are generally quite low. But this isn't the case for the other members of her family. Lily started speech therapy this year and also had several appointments with the osteopath.
As for Eric, he needs to change his eyeglass frames quite regularly. This year, he had the additional cost of sessions with a dentist.
| |
Remaining costs for the patient (after INAMI/RIZIV compensation) |
Refundable via
Ambucare Flexible |
|
Lily | | |
Dentist (2 sessions)
| EUR 90
| EUR 72
|
| Physiotherapist (18 sessions) | EUR 216
| EUR 172.80
|
| Start of speech therapy | EUR 24 | EUR 12
|
| Speech therapy (20 sessions) | EUR 480 | EUR 240 |
Appointment with ENT (2 sessions)
| EUR 48
| EUR 38.40
|
Blood test/other
| EUR 50 | EUR 40 |
| Appointment with GP (4 sessions) | EUR 46
| EUR 36.80
|
Osteopath (2 sessions)
| EUR 80 | EUR 40
|
| Pharmacy | EUR 130 | EUR 104 |
| | | |
|
Deductible | |
EUR 75 |
Refund
|
|
EUR 681 |
|
|
Remaining costs for the patient (after INAMI/RIZIV compensation) |
Refundable via
Ambucare Flexible |
|
Eric |
|
|
Dentist (3 sessions)
| EUR 130
| EUR 104
|
|
Appointment with GP (3 sessions) | EUR 34
| EUR 27.20
|
|
Appointment with ophtalmologist | EUR 48
| EUR 38.40 |
|
Eyeglass frames | EUR 399 | EUR 85 |
Orthopedic insole
| EUR 120
| EUR 96
|
|
Eyeglasses (lenses) | EUR 569 | EUR 455 |
|
| |
|
Deductible |
|
EUR 75 |
|
Refund |
|
EUR 730.60 |
Which option to select?
Elise and her family generate different types of expenses: physiotherapy sessions, appointments with an ophthalmologist, blood tests, etc. For them, Ambucare Flexible seems to be the most suitable solution, as 50 to 80% of the costs can be claimed back for a wide range of services*.
Ambucare Flexible also refunds the cost of dental care, as it incorporates the covers provided by Dental Flex. If Lily or her brother end up needing dental braces one day, the costs can be claimed back through this coverage.
*Certain expenses are subject to progressively higher maximum caps. Check the table on this page for more information.
-
Year One of enrolment = €250
-
Year Two of enrolment = €500
-
Year Three of enrolment and beyond = €1,250