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Hospitalization Coverage

With increasing savings in the national health system — including a growing number of medicines no longer reimbursed — hospitalization insurance is no longer a luxury, but a necessity.

A good hospitalization policy ensures you don’t need to pay the costs of a hospital stay out of pocket. You can focus fully on your recovery without worrying about the financial consequences.

Even if you already have hospitalization insurance through your employer, it’s worth considering what happens in the future. What if you change jobs, retire, or if your employer goes bankrupt? Will you still be able to take out new coverage — and at what premium?


If you currently enjoy hospitalization coverage through your employer, it’s important to think ahead: what happens if you retire, change jobs, or your employer ends the policy?

By law (the Verwilghen Act), you have the right to continue your group coverage individually. However, this often leads to a premium shock — because individual premiums are much higher, and most people only switch at retirement age when incomes fall and health risks rise.

The Solution: Plan Vision

Plan Vision is a “waiting policy” that allows you to lock in your current age and entry premium for a future individual policy. That way, when you leave your group plan, your premiums remain affordable, even if your health has changed.

Example

  • A 41-year-old man pays €17.49/month into Plan Vision until retirement at 65 (total: €5,037.12).
  • At retirement, his individual continuation premium is only €46.25/month instead of €99.27/month.
  • Over his lifetime (to age 81), this results in a total saving of €5,326.94 compared to not having Plan Vision.

✨ In short: a supplemental plan like Vision helps you avoid skyrocketing premiums later and guarantees continued coverage for the future.


How to Recognize a “Good” Hospitalization Insurance

A strong policy should:

  • Provide coverage in all circumstances, even where your health fund does not intervene.
  • Clearly define reimbursements upfront, so you know what will be covered.
  • Guarantee that your insurer cannot cancel your policy because of too many claims.

At present, only a handful of insurers in Belgium provide this guarantee.

Coverage & Premiums

To keep premiums affordable while still offering quality coverage, DKV has developed three new formulas. This allows everyone to choose a policy that fits their needs and budget.

👉 Find out which plan suits you best with DKV INSURE ME.

👉 Compare the 3 formulas side by side: DKV Hospi comparison.

Comparisons

More comparisons available on request.

Real-Life Examples

👉 Discover which hospitalization insurance suits you best: Find your plan with DKV INSURE ME.

 

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