The fountain of youth
Staying young forever, it can be done. With a waiting policy, you freeze your entry age of hospitalisation insurance - for when you lose group insurance through your employer or when you reach retirement age.
Waiting policy
Your hospitalisation insurance in the fridge
A waiting policy is a supplementary agreement for those who have hospitalisation insurance through their employer.
This insurance freezes your entry age in case you lose group insurance due to resignation or retirement.
Without a waiting policy, individual continuation may lead to higher premiums, as age is the determining factor at that point.
The waiting policy thus reduces the entry age, avoids financial surprises and transforms the waiting contract into a full-fledged hospitalisation insurance with premium based on age at conclusion.
Why do I need a waiting policy?
Cost savings
Even if you take out this waiting policy at a young age (and thus pay for it all your life), it comes out more advantageous than a new hospitalisation insurance at a later age.
Additional safeguards
If your group insurance policy is limited, or does not intervene at all, your waiting contract can add cover from the terms of a hospitalisation insurance policy.
Taking matters into your own hands
Hospitalisation insurance through your employer is a nice extra.
However, as an employee, you have no substantive say in the terms offered, even in the case of individual continuation.
Therefore, take control and provide the closing safety nets with a waiting policy.
What does a waiting policy cover?
The waiting policy is a supplementary contract to hospitalisation insurance through your employer.
So you have no say in the details of this policy, such as:
- insured capitals
- covered diseases
- exemption
With a waiting policy, you decide which cover you wish to subscribe to. This policy offers optional, additional reimbursement as if it were a full-fledged hospitalisation insurance policy.
If you contract an illness that is not covered in the insurance through your employer, but would be covered in the target plan of your waiting policy, the waiting policy intervenes in this.
Examples of coverage include:
- The cost of hospital admissions, both for day admission and long-term admission, are worldwide.
- The cost before and after hospitalisation.
- Additional assistance in Belgium and abroad.
When a serious illness strikes you, it does not mean that the long-term and high costs are your responsibility.
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?
Do I have to fill in a medical questionnaire with a waiting policy?
Usually, you have to fill in a medical questionnaire, although there are exceptions to this.
Contact Materné to review your personal situation.
When can a waiting policy be transformed into a full-fledged hospitalisation insurance policy?
The waiting policy can be converted into a full-fledged hospitalisation insurance.
Contact us as soon as you lose the group contract or when you retire. Materné will take care of the conversion.
Is a waiting policy as expensive as full hospitalisation insurance?
No, a waiting policy is a lot cheaper than a full-blown hospitalisation insurance.
This is because a waiting policy is additional to the group hospitalisation insurance through your employer.
From what age do I need a waiting policy?
The younger, the better. This is because a waiting policy freezes your entry age.
You will also complete a medical questionnaire at policy start-up.
Do you delay starting this policy and contract a particular illness? Then a new policy will exclude the costs associated with this illness. To avoid this, take out this policy as young as possible.
Can hospitalisation insurance be converted to a waiting policy?
If you already have a hospitalisation insurance and you are also offered it at your employer, you can have your own insurance converted to a waiting policy.
This way, you keep your current guarantees even when you leave your employer.
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