Hospitalisation insurance
In Belgium, basic health insurance covers only part of your medical expenses. A stay in the hospital, surgery or unexpected medical event can still result in significant out-of-pocket costs. That’s why a hospitalisation insurance is highly recommended — especially for freelancers who don’t benefit from an employer-sponsored group plan.
What is the hospitalisation insurance?
Hospitalisation insurance* helps cover the costs of a hospital stay that are not reimbursed by your mutuality. This includes room charges, specialist fees, medication and more. Many plans also offer coverage for pre- and post-hospitalisation treatments. (in Dutch: hospitalisatieverzekering)
Why do freelancers need it?
As a freelancer, you’re responsible for your own health coverage. Unlike employees, you don’t automatically receive group insurance through an employer. One unexpected hospital admission can cause a financial shock — hospitalisation insurance gives you peace of mind.
What does it cover?
• Room and board in a hospital (often with single room option)
• Medical and surgical fees
• Medication and materials used during your stay
• Pre- and post-hospitalisation treatments (e.g. consultations, tests, physiotherapy)
• Day hospitalisation and certain serious illnesses, depending on the policy
Is it expensive?
Premiums depend on your age and the type of coverage you choose. There are both individual and collective solutions available for self-employed professionals.
Feel free to contact us for a free, no-obligation quote tailored to your profession.