What to do in case of hospitalisation abroad? - AG Insurance hospitalization

1

Notify AG as soon as possible

Have you been admitted to the hospital abroad?

Your hospital plan provides you with worldwide coverage for emergency, unplanned hospital admissions as well as for scheduled hospital stays, as long as your Sickness Fund has pre-approved the admission (e.g. at one of the top-ranked hospitals in the world for a specific treatment or surgical procedure).

Let AG know that you are in hospital; this can also be done via the MyAG Employee Benefits app. If you are hospitalised outside of Belgium, please report your admission to our assistance provider within 24 hours. We'll then open a new case for your reimbursement. Call our assistance provider and mention:

your plan number or card number, which you may find on your card;
the address where you've been staying;
a phone number where we can reach you.

Report your hospital admission (24/7)

+32 (0)2 664 01 70

Does your hosopitalisation insurance not provide assistance?

Not to worry: you're still covered, even abroad. Send us proof of your medical expenses (see steps 2 and 3). Don't forget to inform your sickness fund.

2

Save all receipts for medical expenses

Remember to keep copies of all your medical expenses receipts related to your hospital stay: not just costs during your hospital stay, but also before and after (known as outpatient costs).

Before

Your hospitalisation insurance will reimburse you for medical services, such as pharmacy and doctor's fees, within a certain period of time before you're admitted. The period covered is 1 or 2 months, depending on your policy; this can be found under the special terms of your insurance. If you cannot find this and you are insured through your employer, you can also log in to MyAG Employee Benefits or check with your HR department.

During

Your hospitalisation insurance will reimburse your hospital bill. If you have the Medi-Assistance third-party payer agreement, AG will receive the admission bill and pay it directly to the hospital. However, it is still important for you to report your hospital stay to AG in advance.

In other cases, the bill will be sent to you and you may submit it along with your other medical expenses. Please still submit the declaration in advance, and we'll open a case. This makes it easier to process the expenses if you send them later.

After

You may receive treatment after, just like before, your hospital stay to help you get better as quickly as possible. Your hospitalisation insurance will reimburse you for these medical services within a certain period of time after you're discharged. This is 3 or 6 months, depending on your policy.

Be sure to save all hospital bills, doctors' bills and pharmacy receipts!

Tip: For your convenience, your Sickness Fund can provide you with a statement of all medical expenses incurred.

3

Send in your expenses

Got all your medical expenses together? Send them to us!

Scan or take a clear photo of your expenses and submit them to us online. Be sure to include your correct account number and your contract number or customer reference.

Submit your expenses

4

Collect your refund

Your account statement

Once your medical expenses have been processed, your account administratror will issue you an account statement. This way, you can quickly and easily see which costs are covered and which are not.