{"id":251,"date":"2023-02-27T12:51:26","date_gmt":"2023-02-27T11:51:26","guid":{"rendered":"https:\/\/u4unity.eu\/services\/hospitalisation-insurance\/"},"modified":"2023-08-10T12:23:03","modified_gmt":"2023-08-10T10:23:03","slug":"hospitalisation-insurance","status":"publish","type":"page","link":"https:\/\/u4unity.eu\/en\/services\/hospitalisation-insurance\/","title":{"rendered":"Hospitalisation Insurance"},"content":{"rendered":"\n

Taking out supplementary insurance: why it might be a good idea<\/strong>?<\/strong><\/p>\n\n\n

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<\/span>The U4U offer<\/span><\/h2>\n\n\n\n

The JSIS provides effective protection for civil servants\/agents and dependants, both on a primary or complementary basis. However, the existence of several ceilings of reimbursements or exclusions means that you may need supplementary insurance covering, in particular, hospitalisation costs and\/or the costs of current medicine, dental and optical care.<\/p>\n\n\n\n

Moreover, did you know that while the official\/agent is well covered for accidents by the JSIS, this is not the case for pensioners or beneficiaries, even on a primary basis? In the event of an accident for either of them (pensioners or dependants), the costs remain covered at 80-85% but no additional reimbursement for accidents will be paid. Your child or your spouse insured with JSIS on a primary basis is injured while skiing: if there is no other alternative, the transport from the slopes by helicopter to the nearest hospital (real case scenario), emergency transport, will be covered at 85% by the JSIS. Yours will be covered at 100% (85% + 15% for the Accident supplement). Repatriation to your country of origin is not covered in any case.<\/p>\n\n\n\n

Or are you aware that in Belgium, in case of a hospitalisation, the JSIS covers 85% of the costs of the stay on the basis of the cheapest single room in the hospital? Yet at the moment many surgeons\/doctors ask to work in a single room only in order to charge a supplement\u2026 At the moment this supplement can be up to 300% of the RIZIV price (i.e. 4 times the price). Even if this supplement is limited to a maximum of 200% in hospitals with which the JSIS has signed an agreement, the amounts left to be paid by the insured can quickly become very high.<\/p>\n\n\n\n

It is also important to remember that, in virtue of Article 20 of the JSIS Common Regulations and in accordance with the General Implementing Provisions (GIP), “where no ceiling for reimbursement is set, including in the case of serious illness, the part of the costs which significantly exceeds the average prices charged in the country where the services were provided may be excluded from reimbursement”. Here again, the amounts can quickly become significant if one wishes to benefit, given the prices charged sometimes.<\/p>\n\n\n\n

When it comes to medical reimbursements, however, as in the case of health, to prevent is often better than to cure.<\/p>\n\n\n\n

As staff representatives, U4U considers that its role is also to alert colleagues to this situation.<\/p>\n\n\n\n

Consequently, we have developed an agreement with Allianz, which through our joint partner Afiliatys offers supplementary health insurance.
How it works: the main principles?<\/p>\n\n\n\n

Three options are available with Allianz Care:<\/p>\n\n\n\n