AG Care Vision

Individual continuation converts your corporate-sponsored hospital plan (Hospicare) into an individual AG Care Continuity hospital plan.The policy will be in your name instead of your employer's, and you'll be entitled to at least the same covers as in your corporate plan.  

As long as you've been continuously enrolled in the corporate hospital plan for at least two years and apply for individual continuation within 30 days of losing your corporate coverage, continuation will be provided, with no medical questionnaire to fill out. If you wish, you can also use your individual continuation plan to top up your covers (subject to the results of a medical questionnaire). This gives you some freedom to set your coverage levels yourself to best match your needs and budget.  

Applications for individual continuation must be made in writing, using the specific form provided by your employer for this purpose. You can also download the form here.

And did you know that individual continuation is not limited to just you after you've left the company? Your children who have moved out of the family home or are over the age of 25 are also eligible for continuation on an individual basis.

Most of the time, individual continuation comes with a massive hike in your monthly premium.This is because insurers apply the rate corresponding to your age at the time of continuation: the older you are, the more you pay. Fortunately, you can neutralise the string of higher premiums by taking out a supplementary AG Care Vision plan. This way, you can save yourself thousands of euros later when you retire and want to take out individual hospitalisation coverage.  

Let's say you take out an AG Care Vision contract in 2018, when you're 35. You're now 35 years old. In 2048, at the age of 65, you retire and lose your corporate plan as a result. At that time, your AG Care Vision will be converted into a full-fledged AG Care Hospitalisation plan. Even beyond 2048, you'll only be charged the applicable rate for a 35-year-old in 2018 (+ annual indexation), not the rate for a 65-year-old in 2048.

The same applies to your children once they leave the family home and transition into adulthood. By signing them up for AG Care Vision while they're still young, you'll be giving them the gift of lifetime coverage at affordable rates. A more attractive alternative to putting their pocket money in a savings account !

And there's more to AG Care Vision than just keeping your individual continuation premiums low. Once you lose your corporate plan, your AG Care Vision will be converted into AG Care Hospitalisation, the most comprehensive individual hospital plan on the market. 

You'll get peace of mind knowing that your medical expenses will be covered for the rest of your life, at an extremely affordable rate.

With an AG Care Vision contract, you're judiciously planning for your family's future. But did you know that this type of insurance also goes a long way in securing the present?  

As soon as you sign up for AG Care Vision, you'll be entitled to additional benefits on top of your corporate hospital plan. For example, AG Care Vision covers medical expenses that are outside the scope of your corporate hospital plan, such as prosthetics ineligible for statutory compensation by the Sickness Fund, or medical care to treat a critical illness not covered in your corporate hospital plan. Another benefit that comes with AG Care Vision is additional assistance while travelling abroad.  

As you can see, AG Care Vision is a comprehensive solution that's unique on the market!

Interested? Act now and contact continuation@aginsurance.be for a non-binding proposal, or download the flyer.