Hospicare Flexible
With Hospicare Flexible, select your covers and deductibles and take advantage of extensive coverage and a variety of benefits via the MyAG Employee Benefits app.
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AG Care Vision Full hospitalisation insurance
The essential complement to your corporate-sponsored hospital plan.
What's in it for you?
The ideal backup plan
You get to lock in the age of your employees when they sign up, so there are no unpleasant surprises when they lose their corporate coverage. AG Care Vision Full will kick in and replace the group hospital plan covers as soon as your staff members lose their right to corporate coverage.
A custom-designed, flexible solution
You can take out this option even if your group insurance plan is with another insurer. It’s up to you to decide what’s covered, based on your budget and the needs of your staff members.
The security of lifetime coverage
You'll be providing your staff members with an individual hospital plan to fall back on when they become ineligible for corporate coverage. A safety net for life!
Continuation coverage with no deductible
Are your staff members interested in transitioning to an individual hospital plan, but with no deductible? The right to take out continuation coverage comes with the option to eliminate the deductible entirely.
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How exactly does AG Care Vision Full work?
When your staff members lose their corporate-sponsored hospital plan (e.g. due to retirement), they’ll likely want to apply for individual continuation to keep the same covers. The downside, however, is that they’ll be charged the rate corresponding to their age at the time of continuation, not their age at the time they enrolled in the corporate plan.The older they are, the higher the premium, which can be a hefty sum when they retire. A 65-year-old man, for example, will be charged three times the rate applicable to a 20-year-old.
AG Care Vision Full neutralises the sting of higher premiums by locking in the staff member’s age and covers at the time of enrolment. Once your staff members lose the right to corporate coverage, they’ll be given the option to convert their AG Care Vision Full into an individual plan: AG Care Hospitalisation. The premium will be calculated based on the staff member’s age at the time of enrolment in AG Care Vision Full. A great way to save your employees thousands of euros on insurance!
AG Care Vision Full neutralises the sting of higher premiums by locking in the staff member’s age and covers at the time of enrolment. Once your staff members lose the right to corporate coverage, they’ll be given the option to convert their AG Care Vision Full into an individual plan: AG Care Hospitalisation. The premium will be calculated based on the staff member’s age at the time of enrolment in AG Care Vision Full. A great way to save your employees thousands of euros on insurance!
Who can enrol in the plan?
AG Care Vision Full can still be an option for your staff members even if your corporate-sponsored hospital plan is with another insurer. All employees with hospitalisation coverage – and their family members – are eligible for AG Care Vision Full as long as they are at least 20 years old.
Tip: No medical formalities to complete if you enrol more than 15 employees in the plan.
Tip: No medical formalities to complete if you enrol more than 15 employees in the plan.
Inform your staff members
Under the Verwilghen Act, anyone with a corporate-sponsored hospital plan has the right to continue their coverage on an individual basis. As an employer, you are legally required to inform your staff members about the options available to protect them from the sting of significantly higher premiums when taking out continuation coverage. AG Care Vision Full offers just the right solution, as it provides your staff members with a comprehensive hospital plan to fall back on when they lose their corporate coverage, and without a massive hike in their premium.
Here you'll find more information on this disclosure requirement and all the necessary forms and documents.
Want to find out more?
Send us your questions about AG Care Vision Full or request a non-binding quote via the contact button.