Most of the time, individual continuation comes with a massive hike in your monthly premium. This is because insurers apply the rate corresponding to your age at the time of continuation: the older you are, the more you pay. Fortunately, AG Employee Benefits has come up with a way to neutralise the sting of higher premiums. The solution? AG Care Vision. With an AG Care Vision contract, you can save yourself thousands of euros later when you retire and apply for individual continuation.
Let's say you take out an AG Care Vision contract in 2016, when you're 35. In 2046, at the age of 65, you retire and lose your corporate plan as a result. At that time, your AG Care Vision is converted into a full-fledged AG Care Hospitalisation plan. Even beyond 2046, you will only be charged the applicable rate for a 35-year-old in 2016 (+ annual indexation), not the rate for a 65-year-old in 2046.
The same applies to your children once they leave the family home and transition into adulthood. By signing them up for AG Care Vision while they are still young, you will be giving them the gift of lifetime coverage at affordable rates. A more attractive alternative to setting up a savings account for them and earning peanuts!
And there's more to AG Care Vision than just keeping your individual continuation premiums low. Once you lose your corporate plan, your AG Care Vision will be converted into AG Care Hospitalisation, the most comprehensive individual hospital plan on the market. In addition, it comes with the security of knowing you're covered for the rest of your life!
In short, AG Care Vision is the ideal solution to keep quality healthcare affordable and accessible throughout your lifetime.