Clear information about medical expenses benefits everyone. Employees want to quickly understand what their healthcare cover includes, how much they may need to pay themselves and how reimbursements work. As an employer, you naturally want to support them in this without overloading your HR team with recurring questions. That is why AG has redesigned the medical expense statement. This update is part of our ongoing improvements to digital tools and reflects current developments in the Belgian healthcare landscape.
Why transparency is no longer optional
The Deloitte & AG Insurance Health Insurance Study 2025 shows that 44% of Belgians do not know how much they will have to pay themselves before starting medical treatment. More than one in four does not fully understand their medical bills. This lack of clarity has tangible consequences: postponed care, financial anxiety and a growing number of questions addressed to HR, such as:
“Why am I only partly reimbursed?”
“Why does this invoice fall under the deductible?”
“How does my supplementary insurance actually work?”
Among younger generations, the demand for clarity is even stronger. They expect instant, digital and intuitive access to their health information. Unsurprisingly, 27% of people aged 25–34 already use a health app. The updated statement in MyAG Employee Benefits is designed precisely with these expectations in mind.
Simplicity that truly makes a difference
To give employees greater control over their healthcare costs, AG has improved the medical expense statement within MyAG Employee Benefits. No jargon. No guesswork. Just clear information. Employees now immediately receive:
One consolidated financial overview
- submitted amount
- reimbursed amount
- non‑reimbursed amount
- a clear reason explaining why a cost is (or is not) reimbursed
Transparent information on deductibles and caps, with clear visibility of:
- what has already been used
- what remains available
- when a deductible or cap applies
A concise FAQ
- Employees know exactly what to expect without needing to contact HR.
The result: fewer misunderstandings, less frustration and less time spent on explanations for HR, combined with greater trust in your benefits package.
Transparency matters. Speed and ease matter just as much
The renewed statement is part of our continuous digital improvements. Because clear communication alone is not enough: employees also expect speed, simplicity and easy access.
MyAG Employee Benefits is the digital hub for the additional benefits you offer through AG. The app is always available on smartphone and receives excellent user feedback:
An outstanding user experience
- ⭐ 4.6 on Google Play
- ⭐ 4.7 on the App Store
- ✅ 95% user satisfaction
Faster reimbursements
- 98% of medical reimbursements processed within 5 days
Strong adoption
- 91% of all medical expenses are submitted via MyAG Employee Benefits, mainly through the app
A digital approach that delivers value for everyone
The renewed medical statement and continuous enhancements within MyAG Employee Benefits make complex information easy to understand, support employees’ financial peace of mind and strengthen your overall benefits offering. Exactly what employees expect and exactly what employers need.
Looking to highlight your benefits package even more?
Download a ready‑made poster, intranet message or other promotional materials from your toolkit.
Any questions?
Your AG contact is here to help.