Hospitalisation Insurance

Hospitalisation Insurance

Financial protection with no waiting period

Extensive reimbursement of covered hospitalisation expenses after health insurance cover has been exhausted.

Free choice of deductible and room type

Choose a deductible of between 0 and 500 euros and receive a discount on your premium. You will also receive a discount if you opt for a twin or multiple-occupancy room.

Quick and easy claim reporting and direct payment

No need to advance the hospital bill; KBC Brussels pays the invoice directly to the hospital. The app makes submitting your claim fast and easy.

No need to advance the hospital bill; KBC Brussels pays the invoice directly to the hospital. The app makes submitting your claim fast and easy.

1. What does hospitalisation insurance entail?

Hospitalisation insurance provides you with extensive cover for medical expenses you incur when you are hospitalised due to illness or an accident, or for childbirth. Your hospitalisation expenses will be reimbursed, along with any costs involved with pre- and follow-up treatment.

In short: everyone should have this insurance, as it offers you life-long cover for unforeseen medical expenses during hospitalisation.

Pregnancy and childbirth

If you plan to have children, be sure to take out KBC Hospitalisation Insurance in time. In any case before you get pregnant. You can specify your room preference upon taking out your insurance: i.e., ‘single room’ or ‘twin or multiple-occupancy room’

2. Is hospitalisation insurance compulsory?

Hospitalisation insurance: pregnancy and childbirth

No, hospitalisation insurance is not compulsory by law. Then why should I take out hospitalisation insurance? Under your compulsory health insurance (with a health insurance fund) only a portion of your hospitalisation expenses is reimbursed. If you are not covered by supplementary hospitalisation insurance, you will have to pay the remaining amount yourself, which can certainly mount up.

Certain expenses related to your hospitalisation are only partially – or not at all – covered by your health insurance, such as lab expenses, consultations, blood transfusions and medication. All these expenses can really add up, leading to high hospital bills.

This is where hospitalisation insurance can help.

3. What is covered under KBC Hospitalisation Insurance

What is covered?

The expenses covered are specified in the policy. This includes:

  • Expenses you incur when you are hospitalised, such as consultations, fees and your stay
  • Expenses for home birth (fixed amount of 625 euros) and suitable medical transport (up to 1,250 euros)
  • Medical expenses connected with the complaint for which you were admitted, for a period of two months before
    and six months after hospitalisation
  • Reimbursement of the outpatient medical expenses (medical expenses other than for hospitalisation) if you suffer from one of the 31 serious illnesses specified in the policy

What is not covered?

This includes:

  • Consequences or complications of an existing illness, or an accident the insured person was involved in prior to joining the policy
  • Attempted suicide or acts of violence perpetrated by the insured person
  • In certain cases, a reimbursement ceiling applies
  • The exclusions are listed in the general conditions

KBC Brussels covers the expenses not reimbursed by the health insurance company. The expenses covered are listed in the conditions. In some cases, cover is subject to specific conditions or limited.

The special conditions contain a list of expensive hospitals. If you stay in one of the hospitals on the list and, upon admission, opt for a single room with patient supplements, you will pay 50 per cent of the personal share.

4. How much does KBC Hospitalisation Insurance cost?

The price of the insurance depends on the following factors:


You can opt for a deductible of 0, 100, 200, 300 or 500 euros. This is the portion of the costs for your own account. Your deductible may entitle you to a discount on the premium.


You will receive a discount if you opt for a twin or multiple-occupancy room. If you opt for a single room, cover will be set to a fixed daily amount, subject to a maximum of the actual invoice amount.

A family discount of 5% applies for two or more insured persons and of 10% for three or more insured persons.


The price also depends on the type of premium you opt for:

  • A variable premium based on the risk you are subject to when you take out the policy. In principle, young people pay lower premiums, which increase as they get older
  • A fixed agreed premium based on your age and condition when you take out the policy

The premium will be adjusted annually on the principal renewal date in line with the consumer price index or the specific medical index.

Think about tomorrow today

If you opt for variable premiums, the premiums increase with age. We therefore recommend that you start accumulating a savings reserve now to finance your future – higher – premiums from your reserve. 

5. How to report your hospitalisation

Reporting your hospital stay is fast and easy and possible from three months prior to your admission. You can use the app or call us, whichever you prefer. KBC Brussels pays the hospital directly, so there’s no need for your to advance the hospital bill. You will find everything you need to know about hospitalisation on this page.

Things you also need to know

  • KBC Hospitalisation Insurance is governed by the laws of Belgium.
  • Anyone up to the age of 70 can take out the insurance, on condition that their usual place of residence is in Belgium and they are registered under the Belgian social security system. Acceptance is dependent on medical acceptance.
  • Term: the insurance provides lifelong cover. The policyholder has an annual right of cancellation.
  • Your intermediary is your first point of contact for any complaints you may have. If no agreement can be reached, you can contact KBC Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven,, tel. 0800 62 084. If you cannot find a suitable solution through that channel, you can contact the Insurance Ombudsman – which serves the whole industry – by post at de Meeûssquare 35, 1000 Brussels, by e-mail at, or through its website at
    However, you always retain the right to initiate legal proceedings.

KBC Hospitalisation Insurance is a product of KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium
VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB
Company authorised for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette, 14 July 1979) by the National Bank of Belgium, De Berlaimontlaan 14, 1000 Brussels, Belgium.
Member of the KBC Group

For detailed information on this product, see the product fact sheet and the general conditions, which we recommend you read carefully before taking out this product.

  • fact sheet (equalised premium)
  • fact sheet (risk premium)
  • general conditions
  • information document

Enjoy protection against hospitalisation expenses

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