A hospitalization insurance is an extra insurance that protects you and your family against the costs of an (unexpected) hospitalization due to illness, accident or childbirth.

You are obliged in Belgium to join a health insurance fund for your health insurance, but this does not cover all of  your medical costs. In case of hospitalization, these costs can quickly add up. That is why it is best to take an additional hospitalization insurance.

You can take out hospitalization insurance with a health insurance fund or a private insurer. You should do this as soon as possible.

Please note that not every hospitalization insurance offers the same level of protection. For example, there are differences in the intervention for fee supplements for a single room or for pre- or post-hospitalization care.

This includes costs for meals, taxes, etc., which have nothing to do with medical care and for which no intervention is provided. A list of chargeable products is available at the reception and can be consulted below. Regardless of the room type, these costs are entirely yours.

These are costs that the hospital may bill for each admission, even if you do not use the services charged. These are costs related to clinical biology, medical imaging, medical on-call service and technical services and medicines.

You as a patient can choose between a single room or a double room. You make this choice based on the admission statement and this has a significant impact on the final price of your hospital stay.

Room supplements are costs the hospital may charge for treatment or stay in a single room. You can find the exact amount in the admission statement. Both fees and room supplements are payable by you, unless you have additional hospitalization insurance that covers these costs. When in doubt, check with your insurance company.

In a single room, the attending physician may charge an additional fee of up to 150% of the legally established rate. Treating physicians include the doctor for whom you are admitted, as well as the anesthesiologist and those who perform certain additional examinations and services on behalf of you. This supplement does not go entirely to the doctor himself, but is used to invest in quality and care innovation.

This is the physician's fee, also known as a fee supplement. These fees are set by law.