Does my hospitalisation insurance cover expenses incurred abroad?
Even while temporarily staying abroad, you could be hospitalised. Read here about the coverage you can depend on receiving and what you should consider when travelling abroad.
Dekt je hospitalisatieverzekering je ook in het buitenland?
Op reis en plots in het ziekenhuis terechtkomen? Ontdek wat je hospitalisatieverzekering wel en niet dekt in het buitenland. Wanneer ben je verzekerd, welke opnames vallen buiten de dekking en waarom is een extra reisverzekering soms geen overbodige luxe? Zo vertrek je goed geïnformeerd en met een gerust gevoel.
Multi-day hospitalisation abroad
A multi-day hospitalisation abroad is covered by Helan's hospitalisation insurance policies. First, the mandatory insurance intervenes to reimburse costs covered by statutory health insurance. The amount remaining after this will be reimbursed by your hospitalisation insurance.
- Hospitalia: maximum reimbursement of up to €200 per day
- Hospitalia Medium and Plus: maximum reimbursement of up to €360 per day
Please note: If a limitation was imposed due to a pre-existing condition, that limitation will also apply to any admission abroad.
Day admission abroad
The cost of a day admission while in a foreign country is not reimbursed by Helan's hospitalisation insurance.
Mediphone Assist
Did you end up in hospital while on holiday? Helan customers are advised to call Mediphone Assist as soon as possible. Mediphone Assist is the health insurance fund's travel assistance centre. You will receive a payment guarantee if you call within 48 hours of your admission. The Mediphone Assist medical assistance team will also consult with the local physician to determine the best medical approach. This way, you always get the right medical help, even when you are in a foreign country.
EHIC
Always take your European Health Insurance Card (EHIC) with you when you go abroad. That card proves that you are in entitled to Belgian health insurance abroad. Helan customers always have their EHIC in their pocket digitally, on the My Helan app!
Read more about hospitalisation insurance
Find out more about our insurance policies
- Hospitalisation insurance cost
- What does hospitalisation insurance cover?
- What is not covered by hospitalisation insurance?
- Hospitalisation insurance limitations
- Hospitalisation insurance abroad
- Changing your hospitalisation insurance coverage
- Hospitalisation insurance deductible
- Hospitalisation insurance and doctors’ fee supplements
- Choosing your hospital room
- Dental insurance cost
- What does dental insurance cover?
- What is not covered by dental insurance?
- Annual dental check-up
- Hospitalisation insurance for childbirth
- Hospitalisation insurance during pregnancy
- Pre- and post-hospitalisation care
- Hospitalisation insurance and outpatient care
- Hospitalisation insurance for day hospitalisation
- Dental insurance and cancer treatment
- Dental insurance after an accident
- Dental insurance for implants
- Dental insurance for dentures
- Dental insurance for braces
- Dental insurance for a night guard
- Dental insurance for lingual braces
- Dental insurance for adult braces
- How to choose hospitalisation insurance
- Is hospitalisation insurance mandatory?
- Hospitalisation insurance waiting period
- When do you need hospitalisation insurance?
- Hospitalisation insurance age limit
- Medical questionnaire for hospitalisation insurance
- Cancelling your hospitalisation insurance
- Is dental insurance mandatory?
- Dental insurance waiting period
- Cancelling your dental insurance
Helan Independent Health Insurance Fund is the insurance agent (n° CDZ 5006c) for ‘MLOZ Insurance’, the VMOB of Independent Health Insurance Funds, (Register of Legal Entities in Brussels, 422.189.629, recognised under no. CDZ 750/01 for branches 2 and 18). View the data sheet and the General Terms and Conditions. Belgian law applies to the insurance contract. The term of the contract is whole life. In the event of any complaint, contact the complaints department of Helan Health Insurance Fund or the insurance ombudsman. For more information about purchasing this/these product(s), please contact Helan Health Insurance Fund. Helan Onafhankelijk ziekenfonds, Boomsesteenweg 5, 2610 Wilrijk, 0411.696.011, RPR Antwerpen, www.helan.be.