Never leave your employees' health to chance.
Group hospitalisation insurance
What is group hospitalisation insurance?
This alternative form of remuneration offers your employees a financial safety net when they are hospitalised. It offers more than traditional benefits; it is a sign of appreciation and care for your team.
Group hospitalisation insurance provides company managers and their employees with comprehensive cover against medical expenses. Think hospitalisation, but also treatment costs prior to admission and aftercare costs.
Why collective hospitalisation insurance?
Attract talent
A comprehensive benefits package, including hospitalisation insurance, can convince potential employees to choose your company in the competitive job market.
Meet expectations
Hospitalisation insurance is often considered a standard benefit these days.
By offering this, your company meets employees' expectations. You will increase overall satisfaction in the workplace.
Employee health and well-being
By offering group hospitalisation insurance, you show your employees that you care about their health.
Employees get access to high-quality care without worrying about the financial implications. This reduces stress and improves overall health.
As an employer, you ensure a thriving and engaged work environment. Because healthy employees are happier and more productive.
What does group hospitalisation insurance cover?
There are several hospitalisation insurance policies with multiple formulas. This product is therefore fully tailored to your needs and those of your employees.
Hospitalisation insurance covers the cost of hospitalisation worldwide, both for day admissions and long-term admissions. Pre- and post-admission costs are also covered.
Depending on the chosen formula, additional assistance is provided in Belgium and abroad. And maybe you opt for cover due to serious illnesses?
Together with you, we look at which formula best fits your financial picture as an employer.
Frequently asked questions
Discover the most frequently asked questions about this insurance. Over the years, we have collected this information and summarise it here. Easy, right?
Can employees who leave my company have their hospitalisation insurance continued?
The contract can be continued individually (without medical formalities or exclusions of pre-existing conditions). There are some conditions attached to this:
- your employee was insured for two consecutive years
- your employee submits a claim within the statutory period of 30 days of losing this insurance policy
Can my employees' family members also be included in hospitalisation insurance?
Your employees' family members can also be affiliated (without medical formalities and without exclusions of pre-existing conditions). However, the application must be made on time.
Contact Materné to consult the legal deadlines.
How do I submit charges? Is there a lot of red tape involved?
Cost submission is smooth, we provide simple procedures. In some cases, we even provide direct reimbursement from the insurer to the hospital, so you do not have to advance the costs.
The procedure depends from insurer to insurer. Materné clarifies everything for you.
As an employer, can I offer group hospitalisation insurance to only a certain group of employees?
As an employer, you can underwrite group insurance for a particular category.
This category must meet the legal requirements: open, objective, non-discriminatory.
Examples of categories are:
- Clerks
- Business leaders
- Commercials
- Heads of service
- Board members
- Cadres
What about prior conditions? Is coverage provided for these?
No medical formalities are required when starting a new policy. Existing conditions are therefore also covered.
Late affiliation does require medical formalities that rule out pre-existing conditions.
Other solutions for optimal coverage
Take the uncertain as the sure thing and discover our insurance policies that perfectly match it.