All your questions

Because your needs change over time. Many people are unaware of the differences between the coverage options available and stay with their mutual out of habit. Reviewing your coverage helps you better understand your rights, your reimbursements and the solutions suited to your situation and that of your family.

Yes. It is completely free and with no commitment.

No. You remain free to choose at every step.

No. The appointment can take place remotely or at your home.

The complementary benefits offer additional reimbursements for many everyday health expenses: specialist consultations, physiotherapy, optical care, dental care, sports activities, alternative medicines, home help, driving assistance, ... and much more!

Yes. Your personal information is treated in strict confidence and in accordance with current data protection regulations (GDPR). It is only used to analyse your situation and respond to your request.

An adviser will contact you shortly after your request. If you are available, the interview can take place immediately. Otherwise, you will agree together on the date and time that suits you best for your appointment.

Of course. The appointment is completely free and with no commitment. You can simply get information, ask all your questions and review your situation, with no obligation to subscribe.

No. You will not lose any rights. Healthcare expenses incurred before your affiliation will continue to be reimbursed by your former mutual during the legal period (generally up to 2 years after the date of care). From your affiliation date, your new reimbursements will be handled by your new mutual, without any interruption of your rights. As for compulsory insurance (INAMI), nothing changes: the reimbursements, conditions and amounts are identical in all mutuals, as they are set by Belgian law. Only the complementary benefits and reimbursements may vary from one mutual to another.

No. There is no waiting period to receive reimbursements from compulsory insurance, nor from complementary insurance, provided you are up to date with contributions to your current mutual. You thus maintain continuity of your rights without interruption.

Yes. A serious illness does not prevent you from joining the mutual or benefiting from basic complementary insurance. Depending on the coverage chosen, specific coverage options may also be available.

No. The administrative procedures are fully handled for you to simplify the process.

No. The rules relating to incapacity for work and disability are defined by INAMI and are identical for all insurers. The eligibility conditions and calculation of benefits therefore do not depend on the mutual you are affiliated with. The mutual simply manages your file and pays you the benefits provided for by law.

Yes. You remain free to consult the healthcare professionals of your choice.

It helps limit the costs you have to pay in case of hospitalisation and may also cover certain expenses before and after hospitalisation, depending on the coverage chosen.

This depends on the plan chosen. An adviser will explain the different options to you.

If you already have hospitalisation insurance (private or offered by your mutual), there is generally no waiting period when transferring your coverage. However, if you opt for more extensive coverage or if you do not yet have hospitalisation insurance, a waiting period may apply. In the case of higher coverage, this period only applies to the additional guarantees. An adviser will check your situation free of charge and explain the applicable conditions before any subscription.

Yes. You can subscribe even if you already have health problems. No medical questionnaire is required and your health condition does not prevent your affiliation. The coverage conditions are then those provided for by the guarantee.

Yes. Having a serious illness does not prevent subscription. No medical questionnaire is required and no surcharge is applied because of your health condition. You benefit from the same subscription conditions as any other member.

No. Subscription is without a medical questionnaire, regardless of your health condition.

No. You can subscribe at any age. There is no age limit to benefit from this coverage. Only the contribution amount varies according to age, the guarantees remain identical according to the coverage conditions.

Yes. Each member of your household can benefit from coverage tailored to their needs. You freely choose who you wish to cover, with no obligation for the whole family to subscribe to the same guarantee. Moreover, the contribution is calculated individually: the younger the person at the time of subscription, the more advantageous the rate.

Yes. The coverage also applies to medical expenses related to your hospitalisation, incurred up to 2 months before and up to 3 months after your hospital stay, in accordance with the guarantee conditions.

Yes. The dental coverage reimbursements complement those from your basic coverage and your hospitalisation insurance, if you have one.

If you already have active dental coverage, there will be no waiting period. The conditions therefore depend on your current coverage or any waiting period already in progress. During your interview, an adviser will check your situation to inform you precisely before any decision.

No. Subscription is without a medical questionnaire, regardless of your health condition.

No. You can subscribe at any age. There is no age limit to benefit from this coverage. Only the contribution amount varies according to age, the guarantees remain identical according to the coverage conditions.

No. Each member of your household can benefit from coverage tailored to their needs. You freely choose who you wish to cover, with no obligation for the whole family to subscribe to the same guarantee. Moreover, the contribution is calculated individually: the younger the person at the time of subscription, the more advantageous the rate.