Hospi Safe Plus

• This group policy must be taken out before retirement (after 01.01.2020)
• It can be taken out for spouses and children (whether or not they are covered by the JSIS)
• 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⁽²⁾
• 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.

The insurance policy is re-negotiated by Afiliatys every 10 years, with a possible technical revision every 5 years. The premiums are therefore stable until at least 2025.

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)

Annual premiums in 2025 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