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I have a critical illness

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I have a critical illness... how can AG support me? 

Your insurance coverage with AG Employee Benefits & Health Care is here to support you throughout these challenging times.

When is an illness considered "critical"?

Although hospitalisation insurance normally only covers hospital stays, most insurers make a notable exception by refunding medical expenses to treat a critical illness year-round. Insurers use a pre-established list of the illnesses eligible (FR - NL) for specific critical illness coverage. This list varies from insurer to insurer and generally includes 20 to 30 illnesses such as cancer, leukaemia, diabetes and multiple sclerosis.  

The costs of treating an illness that's not on the list will only be refunded for hospital stays directly related to the illness. 

In most of its plans, AG Employee Benefits & Health Care covers 30 critical illnesses (FR - NL). To consult the list of critical illnesses or to find out more about your covers, log in and register on MyAG Employee Benefits. You can also download the MyAG Employee Benefits app from your app store. This way, you always have all the information about your insurance covers at your fingertips as well as the option to report a hospital admission and send in your medical expenses quickly and conveniently.

How to use your critical illness coverage?

If you find out that you have a critical illness, you'll probably need some time to digest the news.

To activate the critical illness coverage, you'll need to send us a medical report from your attending physician with the name of your illness, the date of diagnosis and the planned treatment.

If you're having chemotherapy or kidney dialysis, be sure to notify AG Employee Benefits & Health Care as soon as possible. You’ll get your money back in just a few simple steps, whether it’s for a day-case admission or an inpatient stay.

After a certain amount of time, we may request a new medical report to check how your situation is evolving.

Coverage will end when we receive a medical report stating that you've been cured and no longer show any signs of the illness. However, we'll continue to refund the costs of your annual critical illness-related check-ups.

If, after some time, you have a relapse and the illness returns, your critical illness coverage can be reactivated. In that case, you simply repeat the procedure outlined above.
To find out which conditions qualify for critical illness coverage, check the covers in your hospital plan or contract.

How do you claim back your medical expenses?

You can collect all medical expenses (bills, receipts, etc.) in connection with your critical illness and send them in for a refund. This can include hospital bills, but also purchases of medication - with the AssurPharma system, pharmacists can instantly send your receipts to AG - and treatment by a specialist. To expedite the processing of your claim, we recommend that you submit your expenses via the app MyAG Employee Benefits on a regular basis. This way, you get your money back sooner and can easily keep track of the expenses you've submitted.

Tip: you can go online and request an overview of your medical expenses from your Sickness Fund

With the app, you have quick, convenient access to emergency services and assistance to keep your mental and physical health in tip-top shape.

Log in to MyAG Employee Benefits

With the app, you have quick, convenient access to emergency services and assistance to keep your mental and physical health in tip-top shape.

Need a sympathetic ear?
My Mind by AG: for mental well-being

Have multiple physical health issues?
My Care by AG: your digital doctor

What happens if I'm on long-term sick leave?


Your employer might have taken out income protection insurance for you, which guarantees you an income on top of the statutory allowance.

As for waiver of premium coverage, it ensures that your group insurance contributions will continue to be made even if you're on extended sick leave and your employer is no longer required to pay the premiums. This way, you continue to save towards a supplementary pension.
 

MyAG Employee Benefits

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