Note: This is a general overview of the covers featured in Hospicare. 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 your covers and conditions, contact your Human Resources department.
During a hospital stay
Your hospitalisation insurance covers the following medical expenses associated with a hospital stay:
- inpatient room and board in a single-occupancy room
- doctors' fees, diagnostic examinations, treatment and medication
- prosthetics, implants and other medical material (subject to certain conditions)
- home births (flat rate compensation)
- room and board for one of the parents throughout their child's inpatient stay (rooming-in)
- (emergency) transportation to the hospital or transfers between two hospitals
Day cases – billed by the hospital as a same-day discharge – are also eligible for coverage. Admissions to the emergency or plaster room do not qualify.
Pre-admission and post-discharge outpatient care
Nowadays, patients often require medical attention before and after a hospital stay. These costs will be covered as well, as long as they are directly related to the reason for the 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 month before and 3 months after hospitalisation or 2+6 months. For example, in case of 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.