Hospi Safe

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You may choose from 3 options :

  • Hospi Safe Plus”, covers hospitalisation, mainstream medical practice, outpatient care and dental care under certain conditions
  • « Hospi Safe Sickness & Accident » (the new name for the former « Hospi Safe »), covers the hospitalisation costs linked to a disease or an accident (and also care linked to pregnancy)
  • « Hospi Safe Sickness », offers the same cover as « Hospi Safe Sickness & Accidents », except for the coverage linked to Accidents.  This option is relevant for our active Members (100% covered by the JSIS against accidents) and for the retirees who subscribed to a top up coverage for Accidents (through AIACE, for example)  

Please note that not all family members must subscribe to a same option.

Example:
Let’s take the case of an EU official married to a woman that is not working in the Institutions and that has a child of 6 years old who needs dental care :
We advise that our Members subscribes to a Hospi Safe Sickness cover for him, to a Hospi Safe Sickness & Accidents for his wife and to a Hospi Safe Plus for his child.

Important : You should not forget to update your cover to Hospi Safe Sickness & Accident upon retirement – unless if you subscribe to another supplementary accident coverage

 

Hospi Safe Sickness

  • This policy must be taken out before retirement.
  • It can be taken out for spouses and children (whether or not they are covered by the JSIS)
  • Enrolment takes place on the basis of a medical questionnaire if the person is within 6 months of retiring (1). For others, a waiting period of 24 months is applicable for expenses linked to pre-existing conditions(2)
  • Coverage for life for members of Afiliatys.
  • Coverage is worldwide, but subject to a ceiling for expenses incurred outside the EEA(3)

Hospi Safe Sickness concerns hospitalisations in a private room, surgical operations and correlated expenses incurred 2 months prior to the operation and up to 6 months after the operation, if incurred due to sickness BUT NOT DUE TO AN ACCIDENT (including prostheses and medical equipment).  Costs of a one-day clinic are covered, as well as care linked to pregnancy.
Members of this insurance will receive 100% of the difference between the amount spent and the JSIS reimbursement.  This reimbursement is NOT subject to any ceilings nor to any rule of excessivity. However, JSIS exclusion rules will apply.
For post-operative rehabilitation expenses, the reimbursement cannot be more than 20% of the amount spent.
All costs relating to pregnancy and birth are reimbursed at 100%, regardless of any JSIS ceilings.  Children up to age 2 are covered free of charge.
The insurance policy is re-negotiated by Afiliatys every 10 years, with a possible technical revision every 5 years. The premiums are therefore stable until at least 2025.
Coverage can be maintained in the case of a temporary end of contact (interesting for Belgium and surrounding countries).

Annual premiums in 2022 depending on age (€ - including BE taxes)

Age 0-1 2-18 19-35 36-50 51-60 61+
Annual premium (€) 0,00 53.67 65.63 98.26 131.14 182.33

Delegate: Cigna – Insurer: Allianz BE (BCVR 8672) until 31.12.2019.
Broker and Delegate: Allianz Care as from 01.01.2020 (910.039/501).
(1)The insurance is valid in the whole world. However, reimbursement of the incurred costs outside of the European Economic Area (EEA) cannot exceed the amount reimbursed by the JSIS, up to a ceiling of 25.000 euros per person insured per civil year
(2)Except during the 13 months following the recruitment
(3)The insurance is valid in the whole world. However, reimbursement of the incurred costs outside of the European Economic Area (EEA) cannot exceed the amount reimbursed by the JSIS, up to a ceiling of 25.000 euros per person insured per civil year

 

Hospi Safe Sickness & Accident

  • This group policy must be taken out before retirement. 
  • It can be taken out for spouses and children (whether or not they are covered by the JSIS)
  • Enrolment takes place on the basis of a medical questionnaire if the person is within 6 months of retiring (1). For others, a waiting period of 24 months is applicable for expenses linked to pre-existing conditions(2)
  • Coverage for life for membres of Afiliatys.
  • Coverage is worldwide but there is an annual ceiling for expenses incurred outside the EEA. [1]

Hospi Safe covers hospitalisation in a private room, surgical operations and correlated expenses incurred 2 months prior to the operation and up to 6 months after the operation, whether due to sickness or an accident (including prostheses and medical equipment).  Costs of a one-day clinic are covered.
Members of this insurance will receive 100% of the difference between the amount spent and the JSIS reimbursement.  This reimbursement is NOT subject to any ceilings nor to any rule of excessivity. However, JSIS exclusion rules will apply.
For post-operative rehabilitation expenses, the reimbursement cannot be more than 20% of the amount spent.
All costs relating to pregnancy and birth are reimbursed at 100%, regardless of any JSIS ceilings.  Children up to age 2 are covered free of charge.
The insurance policy is re-negotiated by Afiliatys every 10 years, with a possible technical revision every 5 years. The premiums are therefore stable until at least 2025.
Coverage can be maintained in the case of a temporary end of contact (interesting for Belgium and surrounding countries).

Example (hypothetical): hospitalisation costs = €10,000, JSIS reimbursement = €4,000 (including hypothetical ceilings or excessive costs) => complementary reimbursement = € 6,000. 
Example (hypothetical): Rehabilitation costs or re-education after fitting of a false limb = €10,000, JSIS remboursement = €7,000 (including ceilings of excessive costs) => complementary reimbursement = €2,000 instead of €3,000 (due to rule of 20% of costs). 

Annual premiums in 2022 depending on age (€ - including BE taxes)

Age 0-1 2-18 19-35 36-50 51-60 61+
Annual premium (€) 0,00 73.93 88.69 133.01 177.38 248.64

Delegate: Cigna – Insurer: Allianz BE (BCVR 8672) until 31.12.2019.
Broker and Delegate: Allianz Care as from 01.01.2020 (910.039/501).
(1)Coverage is valid worldwide. However, the reimbursement of expenses incurred outside the European Economic Area (EEA) cannot exceed the amount reimbursed by the JSIS and is limited to a global ceiling of €25,000 per person per calendar year.

 

Hospi Safe Plus

  • This group policy must be taken out before retirement (after 01.01.2020)
  • It can be taken out for spouses and children (whether or not they are covered by the JSIS)
  • Enrolment takes place on the basis of a medical questionnaire if the person is within 6 months of retiring (1). For others, a waiting period of 24 months is applicable for expenses linked to pre-existing conditions(2)
  • Coverage for life for membres of Afiliatys.
  • Coverage is worldwide but there is an annual ceiling for expenses outside the EEA.(2)
This group policy, complementary to the JSIS, offers
  1. Excellent coverage as regards hospitalisation in a private room, just the same as Hospi Safe (Sickness and Accident), ie: 100% of the difference for hospitalisations and surgical operations.
  2. In addition, coverage equal to 80% of the difference (after the JSIS reimbursement) for the following expenses:
    • Medical consultations (general practitioners and specialists), prescribed medicines; laboratory tests and analyses, medical imagery, ...
    • Certain out-patient treatments (see Art 8§2 of the GIP, ref. 14), speech therapy, orthopedics
    • Dental treatment, optical treatments (glasses, contact lenses), hearing treatments
    • Orthopedic appliances, medical auxiliary equipment.
Specific annual ceilings per person exist for these treatments, for example:
  • Dental expenses (€800 during the first 2 years rising up to €3,200 after 4 years
  • Consultations and medicines, laboratory tests (blood, medical imagery, …) not linked to a hospitalisation (€1,250)
  • €200 per frame for glasses (after the JSIS reimbursement).
  • Reimbursement of 20% of membership of a fitness or weight loss club, up to €50 per person per year.

The insurance policy is re-negotiated by Afiliatys every 10 years, with a possible technical revision every 5 years. The premiums are therefore stable until at least 2025.

Example (hypothetical: Physiotherapy costs (60 sessions at €40) = €2,400; max JSIS reimbursement = €1,500 (€25 € per session) => Complementary reimbursement for out-patient costs = €720 (not €900 as limit of 80% of the difference between costs and the JSIS reimbursement)

Annual premiums in 2022 depending on age (€ - including BE taxes)

Age 0-1 2-18 19-35 36-50 51-60 61+
Annual premium (€) 0,00 536.63 656.20 982.67 1,311.43 1,836.08


Delegate: Cigna – Insurer: Allianz BE (BCVR 8672) until 31.12.2019.
Broker and Delegate: Allianz Care as from 01.01.2020 (910.039/501).
(1)Except during the 13 months following recruitment
(2) The insurance is valid worldwide. However, reimbursement of the incurred costs outside the European Economic Area (EEA) cannot exceed the amount reimbursed by the JSIS, up to a ceiling of €25,000 per person insured per calendar year