HOSPI SAFE PLUS

• 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)
• It can be taken out by policyholders covered by Hospi Safe Sickness and Accident. However, a medical questionnaire is required.
• 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.
• 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.

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)

The insurance policy is renegotiated by Afiliatys every 10 years. The 10-year contract between ALLIANZ and AFILIATYS (following a call for tenders), which came into effect on 1 January 2020, will expire on 31 December 2029. 
Premiums as at 1 January 2026 will remain fixed until the expiry of this contract, in application of the Eurostat Health Index, a change in age bracket and eventually a technical review in 2028.

Annual premiums in 2026 depending on age

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