Frequently asked questions

Yes. We cover day‑case admissions as well as inpatient stays with one or more overnight stays.

Was your stay billed as a day‑case admission?

In that case, AG will cover the related costs. Hospitals typically bill a day‑case admission when the procedure requires general anaesthesia, or you are allocated a hospital room.

Was your stay billed as a consultation (outpatient care)?

Some examinations or emergency room visits (for example, getting a plaster cast fitted) are billed as consultations, not day‑case admissions. These costs are usually at your own expense.

However, if these expenses fall within the pre‑ or post‑hospitalisation coverage period of another admission for the same medical condition, they may still be reimbursed.

Unsure how the hospital will bill your stay?

Ask your doctor or the hospital directly whether it will be billed as a day‑case admission or a consultation.

In what situations will my ER visit be covered?

Coverage depends on how the hospital bills the visit.

• ER billed as a day‑case admission: the medical expenses will be covered.
• ER billed as a consultation: these costs are generally not covered.

If you believe your invoice mentions “day‑case admission,” send us a copy. If confirmed, we will reimburse the eligible costs.

Was your ER visit before or after a hospital stay?

If the visit falls within the coverage period linked to another hospital stay for the same condition, the expenses may be reimbursed.

You can report your admission:

• as soon as the date is known,
• up to two months in advance (or three months for childbirth), and
• up to 30 days after the admission if it was unplanned.

Feel free to contact us to open up a new claim fro you.

With Medi‑Assistance, AG’s third‑party payer system, your hospital bill is usually paid directly to the hospital, so you don’t have to pay upfront. The deductible and any non‑covered expenses are settled afterwards.

To activate Medi‑Assistance, report your admission ideally two months in advance, and no later than 30 days after the admission date.

Does your plan include Medi‑Assistance?

Then the third‑party payer system can usually be activated. We may request additional information, such as your hospitalisation report, confirmation from your Sickness Fund and details about a liable third party in case of an accident.

No Medi‑Assistance in your plan?

Then you must pay the invoice yourself first. Send us a detailed copy of the invoices, and we will reimburse you according to your policy.

For more details, see

• “How do I report a hospital admission?”
• “How do I submit medical expenses?”

When you have a baby, there are a number of costs and administrative procedures to deal with. For your convenience, we have put together the most frequently asked questions for expectant parents.

Will my hospitalisation insurance cover the costs associated with childbirth?

Yes. In most cases, the costs related to childbirth are covered. In rare situations, certain conditions — such as a waiting period following a new enrolment — may apply.

Please note that items purchased through the hospital, such as nappies, baby creams, thermometers or infant formula, are not covered and will be billed to you.

For more details about reimbursement rules, see the FAQs:

• “What medical expenses are eligible for reimbursement?”
• “When do I need to report my hospital admission?”

When do I need to report my hospital admission?

Whether you give birth in hospital or at home, you must inform AG.

You can report your hospital stay from three months before your expected delivery date, and up to 30 days after the birth.

We will then issue the hospital an approval that remains valid for several months. You do not need to notify us of the exact delivery date afterwards — giving you peace of mind when the time comes.

For more details, see the FAQ “How do I report a hospital admission?”

Can my spouse/partner stay in my hospital room?

Yes, if the hospital allows it. However, these costs are not covered. Supplement charges and meals/drinks for the support person must be paid out of pocket.

Can I choose a deluxe single room for my stay?

AG covers room supplements and additional doctors’ fees for a deluxe single room, as long as the room is not billed as a studio, suite or apartment. If it is billed that way, we cannot cover the room surcharges.

It’s best to check this in advance with the hospital’s billing department.

Can I give birth at home?

Most plans include a lump‑sum payment for home births, which also covers pre‑admission and post‑discharge medical expenses. Check your healthcare insurance terms and conditions for details.

Am I entitled to postnatal care?

In many plans, postnatal care is covered. To be certain, consult your healthcare policy.

Is my baby automatically covered by my hospitalisation insurance?

No. Your baby is not added automatically. You must request to add your child to your plan within three months of birth. This ensures enrolment without a waiting period or medical underwriting.

It's easy!

You can report your hospital admission in different ways. If you have a My Healthcare Card, you can report your hospital admission directly by logging in to MyAG Employee Benefits (app or computer).

You can report up to two months before the admission (three months for childbirth), or as soon as possible for unplanned stays.

See the FAQ “When do I need to report my hospital admission?” for more details.

Hospitals sometimes reschedule planned admissions. If you have already reported your hospital stay, what you need to do depends on your situation.

Your admission was accepted with third‑party payer arrangements

Check your acceptance letter or e‑mail to see the period during which AG has agreed to settle the bill directly with the hospital.

• If your new admission date falls within this period: you don’t need to take any action. Our approval remains valid.
• If your new date falls outside this period: please notify AG. You can contact us via the e-mail address or phone number listed in your acceptance letter or e-mail.

Your admission was accepted without third‑party payer arrangements / additional information is still required

In this case, you must always inform AG of the new date, using the contact details provided in your acceptance letter or e-mail.

Do you have coverage through your employer?

If so, then you will generally be covered if you opt to stay in a single room. Note, however, that a deductible is often applicable to stays in a single room. The deductible is also often higher than if you choose a shared room.

For more details on this subject, check the terms and conditions of your healthcare insurance or contact your HR department.

Depending on your plan, medical expenses are covered for 1 or 2 months before your admission, and 3 or 6 months after you leave the hospital.

Example: if your plan covers 1 month before and 3 months after your stay, and you were hospitalised from 10 to 15 June, then all eligible expenses related to that hospitalisation between 10 May and 15 September will be reimbursed.

For the exact terms and conditions, check your policy details or the covers listed in your hospital plan on MyAG Employee Benefits.

Scan your documents or take a clear photo and upload them (preferably in PDF) via MyAG Employee Benefits (app or computer).

Important: to submit expenses online, you must first complete your registration, including verifying your personal details and providing a valid bank account number.

More information on how to register can be found on the app or on this page.

What if I don’t want to submit medical expenses online?

No problem, you can also send them by post. Fill out the "Request to claim back medical expenses".

Are your expenses related to a hospital stay or a claim? Then fill out the"Report a hospital admission" form to submit your expenses.

Send the completed form with copies of invoices or proof of payment to:

• AG Insurance
  Medical Dept - Health Care
  53 boulevard Emile Jacqmain 53
  1000 Brussels

Note: always keep the original documents and send us a copy of the documents.

Please include your bank account number and specify your reference, contract and/or card number on one of the enclosed documents or the cover letter.

Some serious illnesses (such as cancer, diabetes or Crohn’s disease) require long-term treatment both inside and outside the hospital. These outpatient costs can add up quickly.

Your AG hospital plan reimburses year-round treatment costs for a qualifying critical illness, even when no hospital stay is required.

How does critical illness coverage work?

• Activate the coverage
  To activate the “critical illness” coverage, send us a medical report from your attending physician with the name of the illness, the date of diagnosis and the planned treatment.
  
  
• Follow-up
  After some time, we may request an updated medical report to monitor your progress.
  
  
• End of coverage
  Coverage stops once a medical report confirms that you have recovered and show no further signs of the illness. However, annual follow‑up check‑ups related to the illness will continue to be reimbursed.
  
  
• Relapse
  If the illness returns, your coverage can be reactivated by following the same procedure. For a full list of conditions covered under “critical illness”, consult your plan or contract.