Boost your employees' health and wallet
Group insurance Outpatient expenses
What is outpatient insurance?
Group outpatient insurance is an attractive salary benefit and provides business owners and employees with coverage against medical expenses unrelated to hospitalisation.
Why collective insurance ambulatory costs?
Advantageous form of remuneration
It is an alternative form of remuneration of which your investment goes directly to your employees. The premiums you pay for your employees are exempt from NSSO contributions.
Retaining and increasing talent
Ambulatory expense insurance not only provides your employees with extra mental and financial peace of mind, but also strengthens their bond with your company.
- For current employees, it creates an attractive incentive to stay.
- For potential new recruits, it is an added bonus.
Employee health
A healthy employee is more productive. Medical coverage encourages employees to seek regular check-ups and preventive care, which improves their overall health and resilience.
What does insurance cover outpatient expenses?
This insurance reimburses medical expenses independent of hospitalisation. Or further supplements hospitalisation insurance.
Examples include:
- doctor's visit
- dentist
- physiotherapist or osteopath
- costs of medicines
- buying new glasses
- orthopaedic appliances and prostheses
Different coverage ceilings and reimbursement rates are available. We are happy to help you tailor everything to your needs.
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 continue their insurance outpatient expenses?
The possibility of individual continuation depends on insurer to insurer.
Materné will compare options with you.
Can my employees' family members also be included in group outpatient insurance?
Your employees' family members can also be connected.
Provided timely affiliation, this even proceeds without medical formalities or exclusions of pre-existing conditions.
How do I submit my expenses? Is there a lot of red tape involved?
These days, everything is done very quickly and efficiently through your mutual health organisation's app.
Materné is happy to explain how to proceed.
As an employer, can I offer group 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? Are those also covered by outpatient cost insurance?
When starting a new policy, no medical formalities are required and pre-existing conditions are also covered.
Late affiliation does require medical formalities, ruling 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.