You can always individually continue the coverage via your employer

Sometimes, when you leave your company (due to retirement, resignation, dismissal, etc.), you also lose your right to your corporate hospital plan. But we can reassure you right away that you won’t be left without a safety net: the Verwilghen Act gives you the right to continue your corporate coverage on an individual basis. The downside, however, is that the rate is almost always higher than the rate paid for the corporate plan. Fortunately, we’ve found a way to keep premiums affordable when transitioning to individual continuation coverage. The solution? AG Care Vision.
Individual continuation: AG Care Continuity
Individual continuation
With AG Care Continuity, your policy will be in your name, with the same covers you had in your corporate plan.

If you opt for individual continuation, your corporate hospital plan (Hospicare) will be converted into an individual plan: AG Care Continuity. The policy will be in your name instead of your employer's, and you will be entitled to at least the same covers as in your corporate plan.  

As long as you have been continuously enrolled in the corporate hospital plan for at least two years and apply for individual continuation within 30 days of losing your corporate coverage, continuation will be provided, with no medical questionnaire to fill out. If you wish, you can also upgrade your covers (subject to approval based on your answers to a brief medical history questionnaire). This gives you the freedom to set your coverage levels yourself to best match your needs and budget.

Applications for individual continuation must be filed in writing, using the specific form provided for this purpose. To obtain this form, ask your employer for a copy or download it here.

And did you know that individual continuation is not limited to just you after you've left the company? Your children who have left the family home or are over the age of 25 are also eligible for continuation on an individual basis.

The security of lifetime hospitalisation coverage at affordable rates

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.

Individual continuation
AG Care Vision, the ideal solution to keep quality healthcare affordable and accessible throughout your lifetime
AG Care Vision: also securing the present for you and your family
Individual continuation
AG Care Vision has a host of unique features that make it the most comprehensive solution on the market

With an AG Care Vision contract, you're judiciously planning for your family's future. But did you know that this type of insurance also goes a long way in securing the present? 

As soon as you sign up for AG Care Vision, you'll be entitled to additional benefits on top of your corporate hospital plan. For example, AG Care Vision covers medical expenses that are outside the scope of your corporate hospital plan, such as prosthetics that are not eligible for statutory compensation by the Sickness Fund, or medical care to treat a critical illness not covered in your corporate hospital plan. Another benefit that comes with AG Care Vision is additional assistance while travelling abroad.

Interested? Act now and contact continuation@aginsurance.be for a proposal, or download our flyer in French or Dutch.

 

This page contains general information about AG Insurance products. For these products, exclusions, restrictions and conditions may apply in terms of the risks covered. For the exact scope and duration of coverage, check the terms of your policy. The General Terms and Conditions are available in French or Dutch for your review.